Private Clients

Retirement Planning

Retirement Planning

 

A secure, comfortable retirement is everyone’s dream and because we’re living longer we can expect to spend more time in retirement than our parents or grandparents did.

50 years ago a retirement of less than 10 years was the norm. These days retirement can last 20, 30 or more years. Although the State does provide some basic financial security in the form the State Pension, the amount you receive depends on the number of years you have worked, whether you were employed or self-employed and your level of earnings during your working life.

Many employers provide a pension scheme which provides income over and above the State Pension but the benefits will vary depending on what type of scheme it is, what the contribution levels were and many other factors including length of service, earnings at the date of leaving and, or investment performance. Where pension benefits rely on building a retirement fund (money purchase schemes) the final benefits will also vary depending on factors like the prevailing interest rates. Annuity rates are currently at an all time low and so you need a far greater pension pot than would have been needed 10 or 15 years ago to achieve the same income in retirement.

Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances and the sooner you plan, the better.

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Retirement
Annuities
Pensions Freedom

If you would like to discuss your situation or requirements with one of our financial advisers please contact your nearest office:

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