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Post Retirement Planning

Your retirement should be one of the most rewarding times of your life. When you can enjoy achieving the things on your ‘bucket list’, rather than worrying if your assets will run out.

Some of the most commonly asked questions, that we can help answer are:

  • Will my savings, investments and pensions provide me with enough income?
  • How should I use the assets I have accumulated, to my advantage and will they last my lifetime?
  • Should I still consider purchasing an annuity?
  • Is Income Drawdown right for me?
  • Can I provide for my spouse and what happens to my pension when I die?
  • How much tax-free cash should I take?

Individuals now have more choice on how to take income from their pension funds. This can be in the form of an annuity or by keeping control of their pension funds and using Income drawdown. This choice has made decisions more complicated.

For some people, purchasing an annuity with some, or all of their pension fund, is without doubt the right decision. It means that once that decision has been made, they have no more worries. More individuals want to keep control of their pension funds,  but with that, comes responsibility and continued investment risk.

According to The Office for National Statistics, a 65 year old man will live on average to age 83, whilst a women will live to age 86. There is also a one in five chance of reaching the age of 90.

This means that your pension fund and other savings, may have to last you longer than you think.  Not only do you have to make the right investment decisions, but you also need to understand how much money you can withdraw safely from your investments, so you do not run out of money.

Our aim is to help you navigate through this stage of your life, safely and avoid any mistakes that you may later live to regret.

Please visit our information page, for detailed information factsheets, on financial products, such as Annuities, Income Drawdown and ISA’s.


“Neil has been our financial advisor for over 25 years. So that must mean something! He is trustworthy and extremely knowledgeable, and always in contact. He understands our priorities, our attitudes to risk, and gives very clear explanations and guidance and removes the ‘mystery’ of financial investments. We love the cash flow forecast which allows us to see, if we can continue our lifestyle in retirement and helps to allay our concerns. Neil helped immensely with our ‘planning for retirement’ and we have seen great growth of our retirement fund and benefits, especially over the past 5 years. Thank you Neil.”

John, Aberdeenshire

"Focused on Preserving & Growing your Savings"