Retirement Planning

We have a structured retirement planning process, combining years of real-world pensions experience with the very latest in cashflow modelling technology.

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 in pensions and other assets?

As well as these difficult questions, you’re also faced with the emotional aspects of retirement, such as the prospect of giving up a lifetime of work, or selling a family 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 pensions and the sort of lifestyle that they could support. There may be the tax complexity associated with pensions to navigate. This is where we can help and our advice will set you on the right path.

We will answer all your pension and retirement questions, map out your future income and cashflow, and give you the confidence to spend money on 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 only those who are 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 pension input allowance
  • SIPPS and Pension Trustee investment
  • Pension Drawdown plans
  • Pension Annuities

The Client Journey

Starting with identifying your goals and objectives, we’ll work with you to create and implement a bespoke plan.

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“I needed someone I could trust with a great deal of expertise on the subject of pensions. I was delighted with the outcome. More importantly Andy took the stress out of the situation because of the quick turnaround. I don't think he could have done anything differently. Andy's desire to help his client is first class and I can't fault any of the different stages of the advice process. I would recommend Andy to friends, family or colleagues.”

Client Review - Colin Fraser, Ross-Shire
Let's chat

Let's have a chat.

Find out how we can help you by booking a meeting, which will take you directly to our calendar, giving us a call on 01887 377810 or emailing us at

Alternatively, fill out the contact form below and a member of our team will be in touch.

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