Pre-retirement planning

We will encourage you to plan your retirement, determine the level of income required, and establish suitable pension and investment vehicles.


We are able to advise on and arrange personal pensions, Self-Invested Personal Pensions, Stakeholder pensions, explain occupational pension schemes, analyse and arrange pension transfers such as on divorce, and consolidate pension plans where appropriate.


At retirement planning

We will establish your ongoing income needs, advise on the flexible use of pension funds using tax-free cash sums, pension drawdown and all annuity options to provide retirement solutions.


This is now especially important as a result of recent changes in legislation.


Post-retirement planning

We will help you make the best use of all your financial assets. We can advise on long term care and equity release. Equity release is a lifetime mortgage or home reversion scheme: Equity Release will reduce the value of your estate and can effect your eligibilty for means tested benefits.


- pensions

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The value of pensions and the income they produce can fall as well as rise: you may get back less than you invested.