Planning for your retirement
We help clients plan to be financially sound when retirement comes, so they can enjoy their golden years. However far off retirement may seem, it is never too early to think about the future and how rewards of a working life can be reaped and dreams fulfilled.
How can we help?
With average life expectancy at an all-time high, it’s more important than ever to plan for your future. Whether you have an existing pension with an employer, several existing pensions or no pension provision at all, we can help you look review your options. We will take into consideration the annual allowance, any unused reliefs and the Lifetime Allowance. These areas are often complex, and we can provide the reassurance and experience you need to help you make the right decisions for your retirement.
Pensions provision is an important employee benefit and one that cannot be overlooked by the employer. As an employer you can ensure that your team feel valued and supported in planning for their future by working with us to find the right pension provision for you and those who help build your business. We remove much of the stress of the administration of auto-enrolment, and your team members feel that their future is safely in hand.
Our experienced advisers are comfortable dealing with a range of complex pensions, including defined contributions (DC) pensions which individuals now normally have full access to from the age of 55. Working with you, we can also assess whether pension drawdown would be appropriate for you and your lifestyle, allowing you to take an income from your retirement fund.
St. James’s Place has relationships with a number of carefully selected market leading pension providers, allowing us to advise on a range of pension products.
The value of a pension 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 depends on individual circumstances.
Working with you
We provide face-to-face financial advice to our clients.
Giving you the opportunity to review your financial affairs regularly.
Managing your investments proactively, with your needs in mind.
Exploring new opportunities with you.
Planning for the future appropriately helps to preserve your estate and pass it to those closest to you.
Protecting those closest to you with estate planning.