Pensions

Life expectancy is rising, and the state pension won’t be enough, for most people, to support their current lifestyle.

For those who are working, we can help you:

• Work out how much you need to save towards your aim of a comfortable retirement

• Advise you on making the most of the current tax-reliefs

For those coming up to retirement, we can help you:

• Bring all your pensions together for easier management and investment

• Advise on the issues associated with the Lifetime Allowance for pensions savings

• Ensure your pension savings are in the right place for you to be able to access them in the best way for you

For those who have retired, we can help you:

• Weigh up the different options for taking out your money tax-efficiently

• Help you budget your pension income

• Advise on the inheritance tax implications of pensions

• Advise on how best to use your pension savings to benefit your family after your death, and reduce inheritance tax.

At all stages of the pension cycle, we will build and review an investment portfolio that is suitable for you and your aims.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

The Financial Conduct Authority does not regulate Tax Advice.