Approaching Retirement

Dare to dream. Retirement should be filled with new and unique adventures. Our mission is to inspire you to make the most of every day in your retirement. We will be there for you now and when you retire to ensure you make the right decisions.

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How we help

We give you pension clarity

Pensions are complex. Our experts are here to eliminate the guesswork when it comes to deciding on what to do with your pension.

We take away the stress of navigating the pension landscape so that you can focus on what a fulfilling retirement looks like. We will review your current arrangements and build a plan to ensure your finances support the ambitions you have for your golden years.

We are also Pension Transfer Specialists, acknowledged by the Personal Finance Society as a Pension Transfer Gold Standard firm.

“There’s an ethos that runs through the company that’s second to none.”

Retirement funding

Your retirement could last for 30 years or more. Using sophisticated financial modelling software, we demonstrate the impact different financial choices will have on your future and help you make fully informed decisions. It provides useful insights and answers to key questions such as: When will I be able to retire? How much money should I be saving for retirement? Should I consolidate my pensions?

Retirement planning

Retirement is just as much a lifestyle transition as it is a financial one. We understand that this is not an easy transition for everyone, so we make it our mission to be there for you.

You now have more choice and flexibility than ever before over how and when you take money from your pension. You’ll want to feel sure, however, that the decisions you are taking produce the results you want now and down the line. We deliver you clarity and peace of mind with a plan that ensures your retirement aspirations are achievable.

“I wanted a retirement plan in place to maintain my standard of living.”

Retirement investment strategy

Every retirement plan needs an investment strategy to ensure your money doesn’t run out. Our investment process is all about adding value through asset allocation, risk management and fund selection and is underpinned by robust principles and priorities that are overseen by our investment committee.

We provide quantified, well-researched and robust investment solutions that align with your goals and your appetite for risk so that you can successfully live the retirement you’ve dreamt of.

“You get the opportunity to build a relationship with the team.”

Tax efficiency

Ensuring your finances are structured in a tax-efficient way is key to growing your wealth. Your expert adviser will make sure you are maximising your tax allowances and mitigating your tax liabilities. So, you can feel rest assured that your finances are in safe hands and enjoy a hassle-free retirement.

Later life care

We are all living much longer. We need to take into consideration that as you get older, you or your partner may need to go into care. Your financial plan will ensure your finances cater to your future needs and that your well-being is taken care of.

Passing on your pension

Your pension could be one of your most valuable assets, one which you have built up over your lifetime. As well as funding your retirement, pensions are a very tax-efficient way of passing on your wealth. We make sure your pension is passed onto your loved ones in the event of your death. Feel rest assured that any taxes due on your pension are minimised, and the tax burden passed on to your beneficiaries is reduced.

“When IQ look at my finances, it makes me feel frankly, untroubled.”

Important information

A pension is a long-term investment not normally accessible until age 55 (57 from April 2028). The value of your investments and any income derived from them can go down as well as up which would have an impact on the level of pension benefits available.