Specialist Financial Advice
No matter what your age is, it’s rarely too soon to start thinking about retirement. Whether retirement is approaching quickly or you still have many years to go before you reach it, we’ll work with you closely to design the right retirement strategy for you.
We’ll begin by reviewing your existing arrangements, then provide a full range of expert advice and services designed to get your retirement planning into shape. The key is to make the most of all the retirement opportunities available to you. With us by your side, you’ll enjoy real retirement peace of mind, whether there are decades still to go or your retirement is just round the corner.
Book Your Consultation – Retirement Planning
There are many ways we can help you and build a retirement plan bespoke to you, such as;
Maximising your pension fund
One important approach to retirement planning is to make maximum use of your pension fund. Depending on your circumstances, we can help you taper your annual allowance, carry unused reliefs forward, and protect your lifetime allowance – whatever it takes to make sure your pension fund is working its hardest.
Retirement planning can sometimes seem overwhelming, but we’ll help you make the right decisions at the right time depending on your circumstances, aspirations and goals. With us alongside you, planning for retirement becomes a smooth and stress-free process.
It makes an enormous difference to have expert support and guidance as you get closer to retirement. There can be a number of different decisions to take, but we’ll give you all the specialist advice you need to make sure you understand everything from buying annuities to pension drawdown.
Self-invested pension plans
Sometimes called SIPPs, self-invested pension plans offer a wider range of investment opportunities than you might have via traditional pension plans. They can be more flexible, which may suit you, but we’ll give you the advice and support you need to decide whether they’re right for you.
Retirement planning for the employed
It’s never too soon to plan for your retirement. By taking steps to prepare now, you’ll feel in control of your future, and can enjoy the peace of mind that comes when you know you’ve got the best advice and support.
Retirement planning for employers
If you’re an employer, there are likely to be pension requirements that affect your business. We work with you to make sure you understand all your obligations, and to help you choose pension services and products that are right for you, your business and your team.
Retirement planning for the self-employed
A tailored, personal approach to retirement planning is important for the self-employed, and we’re able to give you the professional, expert advice you need. We take all your circumstances into account to help you prepare for the future.
Being a trustee carries responsibility, but we’ve developed a range of solutions that help ease the burden. With our help, you can create a strategy that incorporates cost-effective actuarial and administrative services.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
SIPPS tend to have higher costs than a standard pension and are generally only suitable for fairly experienced investors.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
Book Your Consultation - Retirement Planning
To us, you aren’t just a client. You become part of our ecosystem – a world of mutual support and respect, in which financial advice is about far more than just figures on a spreadsheet.
My Castell adviser had the patience to thoroughly go through what was best for me. He listened to my situation and informed me of the best possible options. After discussing the options he let me choose the best way to proceed with no pressure. We have a plan in place and I am fully confident that I am being guided on the right path.