Pension & Retirement Planning

Planning for your retirement is essential — we all deserve to enjoy it after working hard for years.

Our team of experts will help to maximise your pension fund and provide specialist advice, to make your retirement as stress-free and rewarding as possible.

Types of pensions we advise on:

  • Defined Benefit Schemes (final salary pension schemes)
  • Defined Contribution Schemes
  • SASSs
  • SIPPs
  • Group personal pensions
  • Section 32s
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Cash Flow Analysis Benefits

  • Receive a savings plan tailored specifically to you and your goals
  • Have a solid plan that is visible, clear, and will help you understand the impact of any financial decisions you make
  • Learn how many years you could knock off your retirement age by taking action and organising your finances
  • Have a long term partner in SWS who will continually work with you to ensure you meet your goals

Maximising Your Pension Fund

  • Pensions remain highly efficient
  • Offer tax relief
  • Understand the tapering of your annual allowance
  • Learn how taking advantage of tax relief can benefit you with reliefs available up to 45%* based on your personal rate of tax
  • Understand the options available, allowing you to make use of your annual allowances and protections on offer from potential lifetime allowance tax charges
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Planning Your Retirement

  • Understand the benefits of compound interest and the impact it can have when you start saving early
  • Solutions for every stage of your retirement planning
  • Self-Invested Pension Plans (SIPPs)
  • Commercial Property investment for business owners via their pension
  • Trustee schemes

Nearing Retirement

  • Transparent advice on your best options
  • Annuity – secure income for life
  • Flexi Access Drawdown – take a flexible income or lump sum for your pension to devise an exit strategy that will allow early retirement
  • Create an income strategy and legacy plan that’s relevant to you and your family, giving you the confidence to take the next step in your life 
  • Defined Contribution Pensions – full access from the age of 55
  • Retirement plans
  • The earlier you start saving for your retirement, the better off you’ll be because your retirement savings will have more time to grow into a healthy nest egg. 
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Self-Invested Pension Plans

  • A wider range of investment opportunities
  • Invest in more diverse assets including commercial property for your business 
  • Save in a tax-efficient manner
  • Greater flexibility
  • Needs active management – typically suits those with a good amount of investment experience

Employer

  • Empower your employees to feel in control over their pension benefits
  • Understand pension legislation
  • Understand Auto Enrolment
  • Enhance your recruitment packages
  • Be prepared for future changes
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Self-Employed

  • Receive guidance on where to start if you’re starting up your own business with no employer pension
  • Make plans to contribute to an individual pension arrangement
  • Understand the types of insurance and options available to you as a self-employed worker
  • Receive expert advice on your pension plan to ensure a secure retirement

Trustees

  • Ensure that the scheme benefits from ongoing advice and due diligence for its members.
  • Find a bespoke strategy through Professional Trustee Solutions

Sound, honest advice from our team of experts

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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.

*Please note that anything over the basic rate of tax must be claimed via the individual’s tax return.

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Make the most of your money: start your financial planning today.