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Retirement Planning

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Whether you are approaching retirement or in the earlier stages of saving for the all-important later stages of life, it is likely that you will be faced with what can appear to be a bewildering amount of choices or options.

Our in-depth retirement planning experience and specialist expertise can help you cut through the complexities of the pension world and focus on what is really important to you, identifying your needs and aspirations.

Approaching Retirement

It is absolutely crucial to make the right decisions as you approach retirement, as these will make a substantial difference to the quality of your later life and impact upon the legacy you leave behind for your beneficiaries.

What type of retirement product is suitable for you will be determined by an array of different factors. Our retirement planning guidance will help you understand your options and enable you to make an informed decision on what is the best plan for you to achieve the financial security crucial to retirement.

Our annuity service compares the contract offered by your existing provider with that available in the wider market and in most cases we find we can push up your retirement income simply by securing a better rate with a different company. In addition, we consider other factors including your state of health which in many cases can increase the annuity rate offered meaning more retirement income for you.

Ensuring that your death benefit options are in place and reviewing the flexibility of your current scheme to ensure that this wealth may be passed onto the next generation is part of the pension advice service we offer.

Planning for Retirement

Being well prepared for your retirement has always been important.

Making sure you accumulate sufficient financial resources to fund the retirement lifestyle you want and meet needs that arise is likely to take many years. The choice of saving and investment options available to you, and the vast range of different financial strategies at your disposal, can be daunting.

That’s where our specialist expertise, experience and reliability matters most – from designing your retirement plan to regularly reviewing it over the years to ensure it remains on track.

The changes introduced to pensions in 2015 have given people greater access to their funds, but such freedoms should be wisely considered against potential tax implications. Passing on your pension to the next generation by putting in place the relevant nominations may help you take advantage of the new rules, even if you are in retirement. Pension arrangements are worth reviewing regularly.

Whether you are retired, approaching retirement or the later stages of life are way off in the distance, to see how we can help you, please contact us.

*The Financial Conduct Authority does not regulate taxation advice.

*The value of investments (in a pension) can go down as well as up and you may get back less than the amount invested.

Where a client’s circumstances require specialist advice, and the local office does not hold the necessary permission from the Financial Conduct Authority, we can draw on the wider specialist expertise available within Perspective Financial Group Ltd nationally. Many of our financial planners hold advanced qualifications in specialist areas of advice, as well as having decades of experience in solving almost all financial planning related issues.

Home Counties
Personal Wealth Management

Ready for some personal wealth management advice?

Find out more about how we can help by speaking to one of our financial planners today.

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Perspective (Home Counties) Ltd, Registered in England and Wales No. 7174102 Registered Office: Lancaster House, Ackhurst Business Park, Foxhole Road, Chorley PR7 1NY.

Perspective (Home Counties) Ltd is an Appointed Representative of Perspective (South) Ltd, 3 Whittle Court, Seebeck Place, Knowlhill, Milton Keynes MK5 8FT which is authorised and regulated by the Financial Conduct Authority.

Perspective (Home Counties) Ltd is a subsidiary of Perspective Financial Group Ltd.

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What to do if we didn’t get something right

We strive to deliver the highest possible level of service to every client, every time. If we got things right, we’re always happy to hear that – thank you. If we didn’t, in the first instance, please contact your Financial Planner or their Office Principal about the matter using the contact details on our website.

Should you not be satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows:

The Financial Ombudsman Service
Exchange Tower, London, E14 9SR

Tel: 0800 023 4567 or 0300 123 9123