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SECURE YOUR
RETIREMENT.
CHECK WHETHER YOUR RETIREMENT STRATEGY IS READY FOR WHAT COMES NEXT
Most people are not adequately prepared for retirement.
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IT’S NEVER TOO EARLY to plan for your future. At Secure Retirement we help you think ahead, so you can protect your wealth and enjoy the freedom you’ve worked hard to build.
PLANNING FOR THE FUTURE with an effective retirement plan means estimating your future income needs and ensuring your pension strategy supports your lifestyle goals.
This includes considering how long your savings need to last, accounting for inflation, and planning for unexpected expenses.
Regular financial reviews can help you stay on track and adjust your plan as your circumstances evolve.
To make sure you have the right plan for your retirement, talk to us today.
PENSION OPTIONS There are various types of pension plans designed to help you save for retirement.
Workplace pensions are typically arranged by employers and include contributions from both you and your employer.
Personal pensions, such as stakeholder pensions or Self-Invested Personal Pensions (SIPPs), offer more flexibility and control over how your money is invested.
State Pensions provide a foundation of retirement income based on your salary contributions.
Each of these options comes with different features and tax considerations, so understanding how they fit into your overall financial plan is essential.
To make sure you have the best mix of options, talk to us today.
ACCESSING YOUR PENSION Find out your options and the implications of accessing your pension savings before you retire.
One option is to take a lump sum, where typically 25% of your pension pot can be withdrawn tax-free, with the remainder subject to income tax.
Alternatively, pension drawdown allows you to keep your pension invested while withdrawing income flexibly over time. We can help you understand your options in your location.
To make sure you can access your funds when you need to, talk to us today.
FOR THOSE SEEKING STABILITY, annuities offer a guaranteed income for life.
Many people choose a combination of these approaches to balance flexibility, security, and tax efficiency.
It’s important to be aware that each method of accessing your pension carries different tax implications, so seeking financial advice is strongly recommended.
To make sure you minimise risk, talk to us today.
FAQ’s
Your retirement plans are as individual as you are. The amount you will need effectively depends on your chosen lifestyle, your age now and at retirement and your life expectancy. As we are all living longer and healthier lives, you’ll want to ensure you have sufficient wealth to fund a comfortable and enjoyable retirement.
Our experienced retirement planners can review your current savings and investments, model your likely expenditure and let you know if you are on track to achieve the retirement that you desire.
In an ideal world, you’d want to maximise the tax advantages of both. But assuming you have a few other things to spend your money on, investing in pensions should in most instances be your priority. Pension contributions will not only help you save money for your retirement, but they can also lower your income tax.
However, the tax treatment of pensions depends on your individual circumstances and may change in the future, so it’s important to review your options regularly.
Many people have several different pensions, especially if they have changed jobs several times during their careers. There can be definite advantages to bringing all your pensions together in one place, such as ease of management and fewer charges. However, that’s not always the case, as some pension transfers can incur penalties and there may be a risk of undermining guarantees.
If you have multiple pensions, we can offer advice on how best to manage them to ensure that you get the maximum benefit in the context of your wider financial situation.
There’s no single best way to benefit from your pension—what works for one person may not suit another. The key is to understand all your options, from annuities and flexible income drawdown to different types of pension plans, and consider how each aligns with your retirement lifestyle and goals. Once you have a clear picture of what you want your retirement to look like, speaking with a retirement planning expert can help you make informed decisions tailored to your personal circumstances.