Preparing for the next chapter

Are you ready to enjoy life to the full when you retire?

Retirement Planning

Don't leave your future to fate

Now that we’re living longer, we’re viewing retirement through a different lens. No longer a time to wind down and wait for life to end, it’s the start of an exciting new chapter with countless opportunities to make the most of the years ahead.

As pensions and tax legislation become increasingly complex, planning for retirement has never been more important. The decisions you make now can have a huge impact on your ability to remain financially independent, no matter what the future holds for you.

The AMG advantage

Feel at ease from the moment we meet

Accountability

Because accountability is a powerful way to focus the mind and prevent drift, we get you thinking about your retirement goals and what you need to do to take ownership of them. See it as our gift to you, along with the peace of mind you’ll enjoy when your plans for the future are in place.

Intergenerational planning

Once we have a clear understanding of your vision for the future, we’ll work with you and your family to develop a comprehensive plan that not only aims to maximise the income you receive from pensions and other investments, but also looks at the legacy you would like to leave for future generations.

The personal touch

No predefined process. No time pressure. No hard sell. With us, it’s all about building long-term relationships with families who value our personal approach. You can trust us to gently guide you through the complexities of retirement planning. Expect an experience that’s very different to the service offered by other advisers.

The details

How we’ll guide you towards financial independence

There’s no getting away from the fact that planning for retirement is a complex process. Taking it in stages, we start by looking at where you are today in terms of your income and commitments before moving on to how you want to enjoy life in the years to come.

There are other important considerations such as long-term care, pension protection and the financial implications of you passing away before you retire. Our job is to do a full audit that covers every scenario, stress testing your financial plans to highlight any areas of concern.

Don’t worry, you won’t be drowning in detailed spreadsheets. But you will know your numbers when it comes to how much you need to save and how long your money may last. You’ll also understand how tax breaks can be used to increase your pension contributions – and how we can manage risk by keeping our assumptions conservative.

The earlier you start planning for retirement, the better. We like to talk to people in their mid-30s, so they have enough time to settle into a regular pattern of saving. For business owners and entrepreneurs, the conversation often starts in their mid-20s. But it’s never too late to review your finances, even if you’re approaching retirement age or you’re considering early retirement, perhaps as a result of voluntary redundancy.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.

Things you should know

Working with St. James’s Place and their carefully selected panel of providers, we offer a range of retirement solutions, from self-invested personal pensions (SIPPs) and trustee schemes to drawdown plans and annuities.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected, so it may fall as well as rise and you may get back less than the amount you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on your individual circumstances.

Self-invested personal pensions (SIPPs) tend to have higher costs than a standard pension, and active management is essential to maximise the benefits of the wider investment choice. For these reasons, SIPPs are not suitable for everyone and generally only those who are fairly experienced at actively managing their investments should consider this type of pension.

Contact us

Let's talk about Retirement planning

    To arrange a meeting with one of our advisers, call us on 01332 551155 or send us your contact details and we'll get back to you.

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