When planning for retirement, it is vital to know if your retirement provisions will put you in a strong enough financial position to enjoy a hopefully long and prosperous retirement. As your pension is likely to be a key element of your retirement plans, it is important that you understand the tax efficiency, the contribution limits, the investment choices and retirement options available from different types of pension schemes.

How we can help you

Our in-depth knowledge of pension schemes and their alternatives means we can assist you to make the right informed decisions regarding pension provision whilst keeping track of constantly tinkered pension legislation.

Retirement planning consists of two stages. Firstly, there will be the accumulation stage where you make tax effective savings from surplus income or capital. Secondly, you will withdraw income and capital from these accumulated assets to provide benefits in retirement.

During both stages we can advise you on the most appropriate course of action that will help you achieve the varying objectives that you have.

However, pension schemes only form part of a broader retirement strategy that should address estate planning, investment management, tax and risk mitigation, as well as business exit planning. Our financial planners, together with other specialist tax and business advisers within Moore Kingston Smith, are ideally placed to help you achieve your retirement aspirations.

Financial advice is provided by Moore Kingston Smith Financial Advisers Limited, an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to lets, commercial mortgages, tax advice, wills, trusts or certain offshore investments.

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