Pension and Retirement Advice in Tunbridge Wells, Sevenoaks, Tonbridge and Surrounding Areas.

The world of Pensions can be complex but we can paint a vivid picture of how to prepare for retirement.

As pensions can so often be confusing with so many options available, receiving advice can be the difference between having enough to retire comfortably and not.

Due to the way our lives have shifted towards better health care and improvements in modern medicine, life expectancy has continued to rise. Undoubtedly, this has also resulted in a greater importance for pension planning as we will rely on pensions for much longer than previously. Due to this, many people are working longer with over 1.2 million workers aged over 65.

What do you need to consider?

You need to take into account all areas of your financial life that at will generate income in retirement. This will include the State pension, Personal or Company pensions, investment assets plus other sources such as rental income. For those not fully retiring, you may still receive money from a consultancy or retainer basis now or in the future which also needs to be taken into account.

Your actual Pension and Retirement Planning is centred primarily as to where you are if your life-cycle

Working towards Retirement:

At this stage you should be looking to be investing towards your desired retirement, ideally being able to allocate sufficient funds to ensure a financially healthy retirement. The nearer you get towards retirement, the more crucial that action of saving may become. Together not only could we implement a plan to maximise your chances of enjoying an affluent retirement, but also make use of all allowances and tax efficiencies to enhance your returns.

Phased Retirement:

As part of the transition into retirement, there has been a growing phenomenon where many are choosing to maintain a working life but in a reduced capacity. With careful planning you can achieve a balance between a healthy lifestyle and a financially stable one.

At Retirement:

This is likely to be the most important stage of your financial life-cycle. This is time that you are making financial decisions that will have an impact for the remainder of your financial life. These decisions may include when to take your state pension, downsizing or moving abroad. We may need to review your attitude toward taking investment risk as it is likely to have changed as you got closer to retirement.

What we can do for you, regardless of where you are on your retirement journey

  • Decipher the mountain of pension related jargon
  • Explain the possible options for starting to plan for retirement, approaching retirement and enjoying your retirement
  • Evaluate your existing retirement planning
  • Map and manage your pension
  • Ensure you are able to live your post retirement life to the full.

Contact us today and let us help with your financial journey

If you prefer to call us, please dial 01892 559555 or if you wish, email: with your enquiry.