Approaching Retirement

After you reach age 55 we can help you to take an income in a way that suits your requirements while making the most of your various tax allowances.

At Money Tools we can help you clearly understand what you have, your main options available and if appropriate recommend the next positive action to get the most from your pensions.

This could include taking pension lump sums, buying an annuity, selling parts of your investment portfolio and taking income from ISAs, dividends and cash savings. We can also show you how long your money should last and how much you can afford to spend each year.

In 2015 the Government changed the way you can access your pension. You now have total freedom over your money, with many different options for taking an income.

We can help you with:

  • Designing an income that suits you
  • How to make retirement less taxing
  • Lump sum withdrawals
  • Income drawdown, annuities and leaving your pension invested

How do you replace your income when you no longer work for money?

For the many, your pension is a very important part of your retirement planning. It is an essential source of money to pursue the good life, or the retirement you you have worked hard to obtain.

You may have various pensions accumulated over several jobs or had a period of self-employment which will have impacted the complexity of your pension planning.

We can help you clearly understand what you have, your main options available and if appropriate recommend the next positive action to get the most from your pensions.


Please note the value of investments and the income derived from them can fall as well as rise. You may not get back what you invest.

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.

Ready to get in touch?

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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