Switch location / audience type

This content is not available based on your location and audience type.

You currently have access to view the Uk website for Independent Financial Advisers (IFAs).

If this does not apply to you, go back to our homepage.

Select a location
Select an audience type

Let us know who you are so we can optimise your experience.

Please select your audience type

This includes trust companies, fiduciaries, insurance companies, Wealth Advisers and other professionals.

Important information

You are about to enter our website for professionals. If you would like to return to our main website, go back to our homepage.

Please read the terms and conditions before proceeding.

Please note these are subject to change at any time.

The information in this area of the website is aimed at financial advisers, corporate service providers, wealth advisers, and legal and accountancy professionals. It is not intended for direct use by private investors or onward distribution to retail clients or the general public. Please visit our homepage for information and resources for private clients.

The website is for information purposes only and is not to be construed as a solicitation or an offer to purchase or sell investments or related financial instruments.

I confirm that I am one of the categories of professional mentioned above, and that where applicable I am authorised and regulated by the Financial Conduct Authority or equivalent regulated body given my jurisdiction, location, and profession. I have read and understood the legal information and risk warnings.

By clicking the 'Accept' button, you agree to abide by the terms and conditions listed below.

Select a location
Select an audience type
You need to select your audience type.
You need to select your audience type.

This includes trust companies, fiduciaries, insurance companies, Wealth Advisers and other professionals.

You need to select your audience type.
Skip to main content

Pensions and retirement planning service

Are you confident that your clients will have enough money for a comfortable retirement? Our independent Personal Wealth Planners will dedicate their time, expertise and experience to creating a retirement plan for your clients, centred on what they want their retirement to be.

Calculate your clients’ potential retirement income

You can be confident that all our Personal Wealth Managers hold the highest levels of qualification and will give your clients expert, independent and highly personal pension and retirement planning advice. Working closely with your clients, they will construct a flexible and workable retirement plan for them that takes advantage of tax efficiencies and savings available to them.

Our retirement calculator

Your clients can use this useful tool to help calculate their potential retirement income.

 

 

Calculate if you'll have enough money in retirement

These are required fields
This is a required field
This is a required field
This is a required field
This is a required field
There are errors with the above form Calculate

Assumes an inflation rate of 9.2% p.a. and investment performance return of 5% p.a.

Tick icon
This needs to be a valid email address This is a required field
This needs to be a valid email address The email addresses need to match This is a required field
This is a required field
This is a required field
There are errors with the above form There was an error requesting your report, but your details have been saved. Please try again later. If you continue to see this message please contact us using the links below.

Submit details

Your email submission has been successful

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.

Based on UK inflation rate as measured by the Consumer Price Index (CPI).

Want to review your retirement planning?

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

Request a consultation

   

Want to get your clients’ retirement planning on track?

Arrange a free consultation with an independent Wealth Planner for your clients.

Get in touch

Why choose our retirement and pension planning services for your clients? 

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

This could include:

Cash flow modelling – looking at your clients’ current wealth along with their income sources and trying out different scenarios to see how they might work to fund retirement

Pension pot review – looking through all your clients’ 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 your clients make the right choices for their future prosperity

Retirement funds outside pensions – advice on creating income streams outside of pensions for maximum flexibility and tax efficiency

Tax allowances – making the most of all the allowances available to your clients, to maximise tax efficiency

Passing on wealth – advising your clients on succession and estate planning, as their decisions could affect the inheritance tax payable on their estates.

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

   

Independent advice on pensions and retirement

Our Personal Wealth Planners are highly experienced, independent and not tied to any particular provider or product (not even our own). They can give your clients truly impartial retirement planning advice on a broad range of solutions and choose the best options for their unique needs.

To ensure your clients stay on track, we will build and maintain a long-standing relationship with them, reviewing their retirement plans regularly to make sure they are still working as clients want.

   

Other wealth planning solutions

Comprehensive wealth planning

We’ll carry out a full review of your clients’ finances, leading to a personal wealth management plan.

Find out more

Long-term care planning

Holistic advice on achieving the right financial plan to see your clients comfortably through the rest of their lives.

Find out more

Inheritance tax services

Expert advice on how to mitigate IHT and effectively transfer wealth to the next generation.

Find out more

Services for business owners

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

Find out more

Want to get your clients’ retirement planning on track?

Arrange a free consultation with an independent Wealth Planner for your clients.

Get in touch

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.

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.

More on retirement planning

How can investing in AIM shares help to manage inheritance tax (IHT)?

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
Your Autumn Statement 2022 update and what it means for you

This was never going to be an easy message for a Chancellor to deliver. The economy is in recession and yet tax rises and tight public spending are now the order of the day.

Read more
How to calculate your personal tax allowance over £100,000

In this article, Head of UK Financial Planning, David Goodfellow, explores the two scenarios that can cause you to pay the 60% tax rate and provides our top tips if you are caught by them.

Read more

See all blog posts

 

Want to know more? Get in touch

  

If you would like to know how our independent Wealth Planners, working collaboratively with legal and accountancy professionals, can help clients plan their financial future, please get in touch. We will be delighted to provide more details of our services.

Find out more about our independent wealth planning services.

Click here to read our privacy policy.

 

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.