Retirement planning

Helping you plan your finances to achieve the lifestyle you deserve

Some individuals need to travel the globe or take up a hobby after they retire. Others see it as an ideal chance to volunteer or start their own business.

The laws surrounding pension freedoms changed in 2015, there are more options than ever when it comes to planning for your retirement.

You can now withdraw funds held in your pension fund when you reach the age of 55.

Whether you’re simply after some free guidance or need more personalised advice, our Independent Financial Advisers can help you achieve the retirement you want and deserve.

These are not decisions to be taken lightly, There are numerous ways to make the most from this new legislation. Our FCA (Financial Conduct Authority) Regulated Independent Financial Advisers can advise you on the ins and outs.

We can help you answer questions like:

How much money do you need in retirement

How to save for retirement

Retiring gradually and taking an income

I’m looking to…

Save for retirement

Whether you’re in your 20s or your 50s, there’s a lot you can do to make sure you have a retirement plan that’s suitable for you.

Saving for retirement? Find out more



You have more choice and flexibility in how you set up your retirement income than ever, so there is much more you need to know.

Approaching retirement? Find out more


Early Pension Release Check

If you are Aged 55+ with a UK Pension you are not currently receiving? You can release up to 100% as a cash lump sum – up to 25% Tax Free*. Find out more by contacting our Independent Financial Advisers, All advice is objective, well researched and specific to your needs and priorities.

Find out more

**This service only applies to pensions in the UK. Taking benefits early will almost certainly reduce your pension income in retirement and is only suitable for a limited number of people and circumstances. This should not be seen as an easy option for raising cash. * up to 25% of your encashed fund is tax free, the rest is taxed at your marginal rate when you take it, which could change in the future. **Death Benefits are paid free of tax if you die before age 75; death after 75 is taxed at the beneficiary’s marginal rate


Planning for your retirement

It doesn’t matter how old you are, or at what stage of retirement preparation you are at, if you take control of your financial planning now you can be confident that you’ll be able to afford the retirement lifestyle that you have in mind.

Whether you’re simply after some free guidance or need more personalised advice, our retirement specialists can help you get ready to retire.

Find out More

Annuities & drawdown

Annuities work by taking your pension savings and paying out a guaranteed income for life, or over a fixed term. They are still right for some people, but committing to an annuity can mean less flexibility with your pension money. With drawdown, money left in your pension pot when you die can be passed to your family.

Other pension options

There are a variety of other pension options available to you. A selection of common solutions can be found below. Your MoneyTools adviser can help find the right product for you and your circumstances.

It’s all about you

Before you talk to us…

… take time to think about your future and whats important to you and your family, think about what you might need in terms of future income, larger amounts you may require and most importantly what you may want to do to make you and those close to you happy.

We all need a passion and to feel we have a purpose, have you thought what yours is? Its generally whats important to us and what makes us feel happy and fulfilled. We see our role as your financial planners and advisors to help you achieve it.

In the meantime, please have a look round our site and have a good read of anything you like the sound of.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Discuss my options

Whether you’re simply after some free guidance or need more personalised advice, our retirement specialists can help you get ready to retire.

Call us on 0795 860 1908

Get in touch with our Independent Financial Advisers today

Here’s how it works…
  • Initial Consultation at no expense to you. We will offer as much advice as we can.
  • You’ll receive a quote normally provided at the meeting for your consideration.
  • We can either come to you to help us get a better understanding of your situation at first hand or if you prefer to visit us to see our set up, that’s fine. You choose.
  • The meeting is completely without obligation.


If you already have an Financial adviser or Planner, the changeover is very simple and we take care of it all for you.




Complete the below form and one of our Independent Financial Advisers will contact you.

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