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At retirement

Pension options at retirement

Decisions at retirement age include how to get the best deal for you and your circumstances, planning for decumulation at retirement and size and sustainability of income.

It’s important that the investment strategy that we undertake is able to balance the maintenance of sustainable income with preservation of capital.

Taking your money in a tax efficient way, risk minimisation and meting your personal and family needs are all things that we consider in our advice.

Pension drawdown

The three main core pension products in the UK are annuity, flexible access drawdown and Uncrystallised Funds Pension Lump Sum (UFPLS).

What to look out for

At retirement, making the right decision on how to take your retirement income can be one of the hardest, most thought provoking decisions you are likely to make. It is therefore vital that you consider all of the facts and relevant information before making such a decision. Our role is to help you to make that decision by taking all factors into account and then making a suitable recommendation. This includes your overall personal financial position, tax position, other available assets, other sources of income, family circumstances, current and future inflation.