IN TODAYS UNCERTAIN
WORLD MAKE
SURE YOUR
RETIREMENT
IS SECURE
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 an expert today.
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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.