There are a lot of things to think about when you’re approaching your retirement. When can you retire? Can you afford it? How can you make the most of what you currently have saved? As well as these difficult questions, you’re also faced with the prospect of giving up a lifetime of work, or selling a business.
As you approach retirement, you have built up a level of wealth over the years. You may also not be sure of the exact value of your various assets and the sort of lifestyle that they could provide. There may be tax complexity to navigate. This is where we can help and our advice will set you on the right path.
We will answer all your questions, give you the confidence to plan your future, and help you to achieve your retirement dreams, whatever they might be.
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. The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.
SIPPs will not be suitable for everybody and generally only those who are fairly experienced at actively managing their investment should consider this type of investment. The value of a SIPP can fall as well as rise. You may get back less than the amount invested.
We can help with advice on all areas of retirement and pension planning including:
- Retirement Income Modelling
- Tapered Annual Allowance
- Lifetime Allowance
- Carry forward of unused reliefs
- SIPPS and Trustee investment
- Drawdown plans
The Client Journey
Starting with identifying your goals and objectives, we’ll work with you to create and implement a bespoke plan.