Retirement Planning and Pension advice

“The future depends on what you do today – Mahatma Ghandi”

Whether you are just starting to save for your retirement or you are approaching retirement, planning and a clear strategy is the key to reaching your goals.

At some point in the future most of us will want to stop working and still be able to continue with a relatively good standard of living. At PFM we believe that the key to a successful retirement strategy is to act as soon as you can.

When our earned income stops there is a clear need to receive income from somewhere in order to maintain a good standard of living long into an enjoyable retirement. This will normally involve drawing upon income and capital sums earned during our working lives. All being equal we should all receive the flat rate pension of around £8,000 per annum but this is far less than most of us would need in order to enjoy our retirement.

Some of us are lucky enough to have the support of a good company pension scheme but for most of us, however, the majority of the money that will be required in retirement is from savings that have been accumulated during our working life.

We believe that the reality of your retirement should be a reflection of your own aspirations and the key to reaching these objectives is dedicated and ongoing financial planning.

Recent changes to pensions legislation, annual allowances, lifetime allowances and the impact on the personal allowance for high earners has resulted in retirement planning being more complex than ever. It is now about more than just pensions, it often requires a multi-disciplined approach. Our in house expertise enables us to provide you with advice on all aspects of retirement planning from just getting started right through to the time when you want to access an income in the most tax efficient way possible.

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