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Pensions and retirement planning service
Are you confident you have enough money for a comfortable retirement? Our independent personal wealth planners will dedicate their time, expertise and experience to creating a retirement plan centred on what you want your retirement to be.
Calculate your potential retirement income
You can be confident that all our personal wealth managers hold the highest levels of qualification and will give you expert, independent and highly personal pension and retirement planning advice. Working closely with you, they will construct a flexible and workable retirement plan that takes advantage of tax efficiencies and savings available to you.
Want to get your retirement planning on track?
Arrange a no-obligation, complimentary consultation with an independent wealth planner.
Want to review your retirement planning?
Arrange a no-obligation, complimentary consultation with an independent wealth planner now.
Why choose our retirement planning service?
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.
Independent advice on pensions and retirement
Not only are they highly experienced, our personal wealth planners are also independent, not tied to any particular provider or product (not even our own), they can give you truly impartial retirement planning advice on a broad range of solutions and choose the best options for your unique needs.
To ensure you 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.
Want to get your retirement planning on track?
Arrange a no-obligation, complimentary consultation with an independent wealth planner.
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.
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.
Other wealth planning solutions
Comprehensive wealth planning
A full review of your finances, leading to a personal wealth management plan.
Inheritance tax services
To make sure your family, friends and favourite causes inherit as much of your wealth as possible.
Long-term care planning
Holistic advice on achieving the right financial plan to see you comfortably through the rest of your life.
Services for business owners
Specialist advice on business protection, retirement, employee benefits and the sale or flotation of a business.
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.
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.
More on retirement planning
Earlier this month, our experts Tom Becket, from the Chief Investment Office, and David Goodfellow, Head of Financial Planning, took to the stage to represent CGWM at the FTWeekend Festival.
Read moreWe have always encouraged our wealth planning clients to include provisions for long-term care in their plans. This might be in a care home, but we have found that, since the pandemic, many people now prefer the idea of being looked after in their own homes.
Read more
How can we help?
If you would like to know how we can help with your investment management, wealth or financial planning needs, get in touch. We will be delighted to provide more details of our services.
Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.
Investment involves risk and is not suitable for everyone.