Retirement is a time for which everyone needs to plan. The level of the State pension at retirement age is unlikely on its own to be sufficient to meet the financial requirements of retirement and so one should commence paying into a personal pension early in one's working life. The sooner one commences the saving the greater chance that there will be a sufficiently large retirement account to provide an adequate income for this important time.
We can offer advice on how best to identify the amount of retirement funds that are likely to be required at normal retirement age and also how to build that fund in a tax-efficient manner.
We can also advise you on the establishment of self-directed retirement accounts that enable the individual to specifically choose the assets in which the retirement funds are invested.
At retirement we can advise you on how to meet your particular needs for income, security, growth and tax efficiency.