Changing your future for the better

Planning for retirement

Serving clients in Derby, Nottingham, East Midlands and further afield

Being able enjoy a comfortable retirement is not just about financially forecasting how much money you’re going to need; it’s about understanding what you value, your principles and goals. It’s about taking a holistic approach to prepare you for tomorrow whilst making the most of today.

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It all starts with getting to know you

Whether retirement seems long way off for you right now, or you’re starting to think about your plans for later life, we’re here for you on the journey with our core focus on changing your life for the better.

Every client’s financial journey to retirement is different. We listen carefully to get to the heart of your financial situation, bringing our expertise of pension planning to help you achieve not only your financial goals, but your life goals too.

We work with you to create a plan for every stage of your retirement planning journey, starting with your needs for today and helping you achieve the life and legacy you really want. We’ll set key milestones along the way and work out if there are any gaps in your existing pension and investments to get you there. Regular reviews with your personal financial adviser will guide you through each stage and keep your plan on track to ensure it remains as relevant and effective as possible.

The value of a pension 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.

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Preparing for retirement

Will you have enough money to enjoy the lifestyle you want in retirement without worrying whether you’ll have enough money? Are you on track to stop working when you want and how can you maximise your existing pension to give you enough opportunity and choice?

We help you find the right balance between security of a regular pension income coupled with the flexibility to adapt to life’s expected (and unexpected) events. We’ll review your existing pension arrangements and carry out a state pension forecast so you can understand what retirement income you’re entitled to and ways you can increase it.

We’ll also take into consideration the annual allowance and any unused reliefs to help you maximise your pension and make your money work harder for you. These areas are often complex, and our financial advisers can provide the reassurance and experience you need to help you make the right decisions when planning for retirement.

While those who are employed have the luxury of pension auto-enrolment from their employer, being self-employed can bring challenges when planning for retirement. We work with many clients who are self-employed, helping them save for retirement and empowering them to be more in control of their financial future.

We can help you set up a private pension that offers more retirement options. We’ll provide you with a range of state benefits to claim, including tax top-ups, and pension freedom rules that allow you to take a percentage of your pension as a non-taxable lump sum.

We work with business owners to help set up the right pension savings scheme to ensure your employees feel valued and supported in planning for their retirement.

We know that life can be very busy when running your own business, our advisers are here to support you with advice on auto-enrolment to ease the financial stress and help your employees stay productive with a retirement savings option.

We also offer a range of business and corporate services, including employee benefits and key person protection.

Auto-Enrolment products are not regulated by the Financial Conduct Authority.

We recognise everyone’s later-life needs are different, and that’s why we offer advice tailored to your long-term goals. We can help you with a range of complex pensions, including defined contribution pensions (DC pensions) which individuals can now access from the age of 55 (rising to 57 in 2028). We can also assess whether pension drawdown would be appropriate for you and your lifestyle, giving you flexibility 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.

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Working with you

A financial service to suit every need possible...

We provide face-to-face financial advice to our clients.

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Giving you the opportunity to review your financial affairs regularly.

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Managing your investments proactively, with your needs in mind.

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Exploring new opportunities with you.

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Planning for the future appropriately helps to preserve your estate and pass it to those closest to you.

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Protecting those closest to you with estate planning.

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Putting you and your family first…

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Our financial advisers, based in Derby can assist you with every avenue of financial planning. Get in touch to find out more.



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