Pensions & Retirement Planning

Pensions continue to be one of the most complex areas of regulated financial advice and suffer more than their fair share of jargon and nuances. Fortunately, with many years experience dealing with most types of pensions, we are well placed to help you understand yours, and provide you with bespoke advice, throughout your working life and beyond.

Strategy Wealth - IFA, Pensions & Retirement Planning

Pre-Retirement

We will create a pension savings strategy, taking into account tax efficiency, affordability, risk, planned retirement age and a host of other factors, to ensure your retirement goals are achieved. Regular reviews will ensure that your plan stays on track and if you need to make a change, we will guide you through it. 

At Retirement

We will talk you through all the available options for accessing your pension and create an income strategy that provides security, flexibility and tax efficiency, throughout your retirement. We will use our cash flow software to illustrate the strategy and show you how different market conditions may affect the plan.

Post-Retirement

We will help you to manage your pension investments and income level, with regular reviews to consider risk, tax efficiency, sustainability and adapting the strategy to take account of any change in circumstances.  

Pension Consolidation

If you have a number of different pensions, you may be considering consolidating them to a single scheme. We can give advice on whether this would be in your best interests, considering costs, investment options, safeguarded benefits, retirement options, guarantees etc.  

Retirement Options

There are many ways for you to access your pensions, with annuities, UFPLS, flexi-access drawdown and phased drawdown being some of the most common. We will consider all options when making our recommendation to you and ensure you understand the associated risks and benefits.

Investment Options

Most pensions will have at least a few investment options. Some have thousands! From workplace schemes, to Self Invested Pension Plans (SIPPs), we will use our independent research software to investigate the options available and recommend which investments are right for you.

A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

 

The value of your investment can fall as well as rise and you may get back less that you invest. Your capital is at risk.

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Strategy Wealth Uk Ltd is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107. Strategy Wealth is a trading name of Strategy Wealth Uk Ltd which is registered in England and Wales no. 14838686. Registered office 45 Tanwood View, Bodmin, Cornwall, PL31 2PN. Directors: David Ellicott & Michael Rowan.

The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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