Let’s help fund your retirement
Retirement is the longest holiday you’ll ever have! Whether you’re just starting out, mid way through working life or approaching retirement, we can help to ensure you have the financial security to enjoy your retirement.
What do you need help with?
It is rare that someone works in the same job for the same employer and be a member of the same pension scheme during their entire working life. During this time, they may well accumulate a number of different pension plans which are often left unattended once they switch to a new provider.
The potential for growth of their pension funds could then be limited for a number of reasons. By reviewing and assessing each of these, there may be good reasons to consolidate them or there may be good reasons to leave them where they are. Either way, it will cost nothing to have them reviewed by one of our specialists who can guide you through the process and answer any questions you may have.
We ensure that your new plan has the benefit of full flexiblility options at your retirement.
Wherever you are on your pension journey, just starting your first job, mid-way through your working life or approaching retirement, we can help you to understand the benefits of long-term pension saving and of actively managing your money to ensure you have enough to live on for life.
Pensions offer a way to save tax-free by claiming tax relief on all contributions to help build up a pot of money for you to live off later in life. The sooner you start a pension the more tax you’ll save and get back and the bigger your pension pot when you finally stop work.
There are complex options regards funding whether that’s a lump sum or on a fixed monthly basis, we can help you to maximise your contributions and give you the flexibility to change your funding options whilst always keeping your pension on track.
There has been plenty of coverage in the financial media about retirement and pensions freedom and how you can now spend your pension fund as you see fit. However, more freedom and more choices mean you now have to make more decisions. So, do you see this as an exciting freeing up of your retirement choices and a licence to spend your money how you wish? Or are you worried about making the wrong choice? Maybe you don’t know which way to turn.
Whether planning to partially retire, fully retire or would like to retire early, we can help ensure you make the right decisions, on how to take your income.
Recent Pension Freedom, means you will now be able to access your pension funds from age 55, but drawing funds down too quickly, could result in you running out of money in retirement, not to mentioned the potential for large tax bills, if pension funds are drawn out all at once.
We can provide advice on the best way to draw an income, planning for your long term income needs and that of your partner or children, offering advice on;
- Guaranteed Income Drawdown
- Income Drawdown
On becoming a client, we will then keep track of your retirement plan, through regular contact and annual reviews.
The value of pensions and any income from them can fall and you may get back less than you invested.
Ready to get in touch?
Book a FREE initial home visit or talk to one of our experienced financial advisers today to discuss your needs.
1A Upper Green,Tettenhall, Wolverhampton, West Midlands, WV6 8QQ
The guidance and/or information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Mortgage & Financial Solutions Ltd is an Appointed Representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Ltd which is authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Ltd and Quilter Mortgage Planning Limited are entered on the FCA register https://register.fca.org.uk/s/ under reference 440703 and 440718.
Mortgage & Financial Solutions Ltd is registered in England & Wales No: 09627028. Registered Office: 1A Upper Green Tettenhall Wolverhampton West Midlands, WV6 8QQ. For mortgage advice we give clients the option to pay by fee rather than commission. The level of fees will vary according to individual circumstances. Estate planning is not regulated by the Financial Conduct Authority. Will writing is not regulated by the Financial Conduct Authority. Trusts are not regulated by the Financial Conduct Authority.