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Independent retirement planning and pension advice

At Canaccord Genuity Wealth Management we believe everyone needs ongoing professional advice on their pension, both before and after they retire. Our experienced Personal Wealth Planners hold the highest levels of qualification and provide expert, independent and highly personal advice and create a flexible retirement plan that takes full advantage of all available tax efficiencies and savings.

To ensure your plans stay on track we will build and maintain a long-standing relationship with you, reviewing your retirement plan regularly to make sure it is still working as you wish.

As our planners are not tied to any particular provider or product (not even our own), they can give you truly impartial advice on a broad range of solutions and choose only the best options for your unique needs.

Want to review your retirement planning?

Arrange a no-obligation, complimentary consultation with an independent wealth planner now.

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Why choose our retirement and pension planning services? 

Importantly, we don’t simply look at your pension. Our independent, fee-based advisory service starts with a strategic review of all your personal financial arrangements, to see how they can best be structured to support your retirement. We will also make sure everything is done in the right order, as some decisions can impact other areas of your wealth planning.

This could include:

  • Cash flow modelling – Looking at your current wealth along with your income and trying out different scenarios to see how they might work to fund your retirement
  • Pension pot review - Looking through all your current pensions to check they are still fit for purpose and are being properly managed
  • Future income options – navigating the complexities of pension regulation and ‘freedoms’ to ensure you make the right choices for your future prosperity
  • Retirement funds outside your pension – advice on creating income streams outside of your pension for maximum flexibility and tax efficiency
  • Tax allowances - making the most of all the allowances available to you, to maximise tax efficiency
  • Passing on wealth – advice on succession and estate planning as your decisions could affect the inheritance tax payable on your estate.

If you have funds invested through our investment management service, your investments are in expert hands, with a strategy built around your individual needs. We will take this into consideration when advising you.

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Assumes an inflation rate of 1.5% p.a. and investment performance return of 5% p.a.

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We hope that your report provides motivation to keep building confidence in your financial future. We know it can be a daunting task so if you have any questions, please call one of our wealth planning experts.

  

Other wealth planning solutions

Comprehensive wealth planning

A full review of your finances, leading to a personal wealth management plan.

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Inheritance tax services

To make sure your family, friends and favourite causes inherit as much of your wealth as possible.

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Long-term care planning

Holistic advice on achieving the right financial plan to see you comfortably through the rest of your life.

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Services for business owners

Specialist advice on business protection, retirement, employee benefits and the sale or flotation of a business.

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Some of our wealth planning experts

If you would like to know how our independent wealth planners can help, please get in touch. We will be delighted to provide more details of our services.

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Debbie Kay

Wealth Planning Director

Debbie provides high quality independent financial planning advice to high net worth individuals, families and trusts. She specialises in dealing with Private Office clients who typically have more complex affairs.This includes financial structuring, investment consulting, strategic asset allocation, appointment of discretionary investment managers, coordination of professional advisers, succession planning, philanthropy and charitable giving.


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Mike Ferrington

Senior Wealth Adviser

Beginning his advisory career in 2005, Mike joined Canaccord in 2011 and specialises in providing strategic financial planning services and tax-driven investment planning to high net worth private clients. Mike is a Chartered Fellow of the CISI and a Chartered Financial Planner.


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Phil Raper

Wealth Planning Director

Phil is a Wealth Adviser for Canaccord Genuity Wealth Management, providing bespoke lifestyle, wealth and tax planning advice to high net worth individuals. He is a member of the Personal Finance Society, the Institute of Financial Planning and the Chartered Insurance Institute.


Find out more about our expert team

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Why is it important to understand complex pension rules?

Pension rule changes and financial planning might not be that exciting a topic – but, let’s face it, we are all mere mortals who are getting older and living older. This stark reality means we need to plan for a long retirement as effectively as we can. And we need to make sure our pension pots are as full of coin as they can possibly be. But how can we best plan for the future?

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Wealth planning for business owners and entrepreneurs

Many of our clients are entrepreneurs or are involved in a family business but we often find that they do not make a distinction between business and personal assets when it comes to wealth planning. Fortunately, there are many ways to safeguard your own and your business’ future security but getting the right advice is essential.

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Download our retirement planning brochure

  • Find out why retirement planning is so important
  • Learn how to make the most of your retirement
  • Read about our specialist services.
Download

 

The investments described in this brochure may not be suitable for all investors. Investors should make their own investment decisions based upon their own financial objectives and financial resources and, if in any doubt, should seek advice from an investment adviser.

The tax treatment of all investments depends upon individual circumstances and the levels and basis of taxation may change in the future. Investors should discuss their financial arrangements with their own tax adviser before investing.

 

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IMPORTANT: Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.