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Financial planning for retirement

It’s never too early to start planning your retirement or to review your existing pension arrangements. Doing so could make a huge difference to the amount of money you’ll end up with and the retirement you’ll be able to enjoy.

Our Wealth Planners are independent and not tied to us or any other provider, so you know you will be given clear and transparent guidance on how to structure your pensions and retirement plan to meet your long-term goals and make the most of the tax allowances and savings available to you.

Book your free retirement planning consultation

Book a no-obligation, complimentary consultation with an independent wealth planner to discuss how we can help you structure your wealth and plan for retirement.

Request a consultation


Will you have enough money in retirement?

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Assumes an inflation rate of 3% p.a. and investment performance return of 5.5% 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.

Want to review your retirement planning?

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

Request a consultation


How our independent wealth planners can help you

Retirement and pension planning for high earners

A detailed ‘wealth check’ to make sure your pensions and retirement plan are on schedule for the financial future you want.

High earners

Pension tax advice

Tax and pension rules are complex. Your independent Wealth Planner will ensure you are always making the most of the tax savings available to you.

Pensions tax advice

Cash flow modelling

Your independent Wealth Planner will build you a personalised retirement cash flow forecast to see how different funding scenarios might work in retirement.

Cash flow modelling

Planning to retire early

Your independent Wealth Planner can create an early retirement plan for you aimed at achieving a sustainable income for the rest of your life.

Early retirement

Planning close to your retirement

Your independent Wealth Planner can give you expert advice to help make the most of your pension and investments in the years running up to your retirement.

Nearing retirement

Reviewing plans in retirement

Your independent Wealth Planner can help you generate an income in retirement and regularly review your portfolio to ensure it continues to meet your needs.

In retirement


Why choose our independent financial planning service?

We don’t simply look at your pension. Our independent, fee-based advisory service starts with a strategic review of all your personal finances to see how they can best be structured to support your retirement, including:

  • Cash flow modelling to see different funding scenarios for your retirement
  • Reviewing your pensions to check they are still fit for purpose
  • Navigating complex pension rules so you make the most beneficial choices
  • Advising on income streams outside of your pension for maximum flexibility
  • Maximising tax efficiency by making best use of all available allowances
  • Passing on wealth as your plans could affect the inheritance tax payable on your estate



Book a free retirement planning consultation


Typically, we provide financial advice to clients with assets over £250,000. Please note, we do not offer a one-off share sale service below these amounts.

If you are interested in career opportunities at Canaccord Genuity Wealth Management, then please do not use this form to get in touch. Instead, please head over to our careers page to find out more.

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What happens next?

1. Arranging an initial consultation

First you can expect to receive an email from our team within 48 hours to find a suitable time that works for you, to arrange a voice or video call for an initial consultation.

2. Your consultation 

During this consultation, a member of the team will discuss your situation with you to understand your requirements and answer any questions you might have about Canaccord Genuity Wealth Management and the services that we provide.

3. Referral to a Wealth Planner or Investment Manager

If you decide to progress with us, you will be referred to one of our Wealth Planners or Investment Managers to discuss your situation and requirements in more detail. They will then design a bespoke proposal detailing a unique investment portfolio that matches your individual requirements and attitude to risk, to meet you and your family’s needs.

4. Working with you long-term

With our wealth planning and investment management professionals, your wealth is in expert hands. Our mission is simple - to help you build your wealth with confidence. We will always keep you informed about your investment portfolio and performance and will continue to work with you to build our relationship on your terms. We can meet with you face-to-face, by phone or by email, whichever is more convenient for you. You can also access your account online at any time through our app. Our wealth management professionals are always readily available to speak with you.



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.

Answers to your retirement planning questions

If you have some disposable income, you should start planning for retirement immediately. 

Retirement planning is essential in the UK, as we are enjoying longer retirements than ever before, primarily because we’re living longer. By the end of the 20th century men lived to an average age of 76 and women to 81, yet they retired earlier (on average aged 62).

This extended retirement period has to be planned for and funded – and we each have to take personal responsibility for it. The earlier you start, the better.

Pensions can be complex and as you get closer to retirement, you will need to get top pension advice to ensure you can make the best decisions for your individual circumstances and objectives.

Our independent Wealth Planners can provide you with a clear picture by taking stock of all your pension pots and recommending how best to manage them going forward. They will look very carefully at:

  • The types of pension you have
  • Whether you have more than one pension pot and if so, where they are held
  • When and how you will be able to access the funds in your pension pots
  • The value of your pension pots and the benefits they will provide
  • Any other options or guarantees

On average, a 65-year-old man retiring today is expected to live for a further 19 years, while a 65-year-old woman retiring today would be expected to live for 22 years. For those on a fixed retirement income, high inflation can be very damaging. This helps illustrate why: assuming inflation averages 5% per annum for 22 years and you have an annual fixed retirement income of £50,000, the effect would be to reduce this figure to marginally over £17,000 per annum.


This means that ensuring retirement income keeps pace with inflation, or preferably grows in ‘real’ terms (i.e. factoring out the effect of inflation), is of utmost importance.

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.
Request to 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.

Our experts' insights on retirement and pensions

Why cash flow planning is not just for business

As a business owner, you’ll be familiar with cash flow to establish and maintain the health of your business, but how do you assess the wellbeing of your personal wealth? Discover how cash flow modelling can maximise the personal financial benefits of exiting your business and help you achieve your goals.

Read more
Navigating opportunities: the resilience and potential of the Alternative Investment Market

What reasons are there to be optimistic in investing in the Alternative Investment Market? Find out more. 

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Wealth management updates

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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.