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.
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.
Calculate if you'll have enough money in retirement
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.
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.
More on retirement planning
How do you want your children or favourite cause to benefit from your wealth? How can you ensure your wishes will be fulfilled? Even if you have plans in place, are your heirs prepared? Here we explore how you can make sure your money is transferred to the next generation as you would wish.Read more
If you are planning your retirement, it is important to understand the amount you can put into your pension each year in order to gain valuable tax relief, known as the ‘annual allowance’.Read more
With our families’ future financial wellbeing always in the back of our minds, we’d all welcome legitimate ways to manage inheritance tax (IHT) liability. One way to do this is by investing in the Alternative Investment Market (AIM).Read more
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.
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.