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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.

We have specialists in Lifestyle Financial Planning, which focuses on you and your financial goals, rather than any particular product.

We will work with you to analyse what retirement means to you from a financial perspective. To do this, we will need to understand your circumstances in detail by exploring:

  • When you want to retire
  • The plans you have for your retirement
  • What funds you will need to support these plans
  • The financial arrangements you have in place, identifying if a shortfall exists and how this could be addressed

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 offered by Perspective (North West) Ltd.

Planning for Retirement 

Being well prepared for your retirement has always been important. Never more so than today when flexibility around access to pension funds has been introduced, and there is greater demand on retirement funds with people living longer.

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 expertiseexperience and reliability matter 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.


The Financial Conduct Authority does not regulate taxation advice.

Registered in England and Wales No 4719736. Registered Office. Lancaster House, Ackhurst Business Park, Foxhole Road, Chorley Lancashire PR7 1NY.
Perspective (North West) Ltd is authorised and regulated by the Financial Conduct Authority.
Perspective (North West) Ltd is a subsidiary of Perspective Financial Group Ltd.

Should you have cause to complain, and you are not 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 9 123

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