Retirement Planning
Why is Retirement Planning important?
Retirement should be a time for you to enjoy and do the things you want to.
Planning for your retirement can seem complex and overwhelming, and there are many reasons you might lack confidence in your retirement plans.
We help you determine when and how you can retire and work with you to make sure your plan stays realistic. We also give you access to clear information and tools that support your decision-making.
For example, you may ask yourself:
- When can I afford to retire?
- How much will I need in retirement?
- Are my spending plans realistic?
- How should I derive my income from my assets?
Are you planning for specific retirement goals?
People who are confident about their retirement are most likely to have specific retirement goals and know what steps they need to take to reach them.
But sadly, we meet many people that do not feel confident that they will have enough savings to live comfortably after they retire. Often people do not know what they need or even what they have.
The earlier this is addressed, the easier it is to have a plan in which we can have confidence.
This is where we could help. We help you determine when and how you can retire and work with you to make sure your plan stays realistic. We’ll help you check your options, old workplace pensions, and search for any state entitlements.
So, have you been thinking about your own retirement?
We are sure you have worked hard to get where you are right now.
And every now and again you sit down and think… I would love to retire, relax, and enjoy seeing friends and family.
However, as you think about your retirement, more questions start forming:
- When can I retire?
- What assets make up my retirement provision?
- Where are my old pension pots and how do I find them?
- Can I afford to buy a holiday home?
- What about gifting some of my money to my children?
While looking for answers, it is so easy to get confused trying to understand the different pension arrangements, investments, and their tax implications.
That’s why it helps to speak to a regulated adviser who can explain your state pension, other benefit entitlements, and potential retirement income options in plain English.
Would you like a retirement plan tailored for your specific needs?
With retirement planning no two plans are the same.
This can make it challenging and confusing, as the best solution for someone else might not be the best for you.
We help reach your goal by building solid financial plans with tailored advice for you, so you can get the best solutions. Whether you’re self-employed, working part-time or full-time, or receiving workplace pensions, we’ll help you stay on track and understand all your options.
Advising Clients Across the Region
From our base in Oundle, Peterborough, we work with clients across Bedford, Buckingham, Cambridge, Leicester, Lincoln, Northampton, Oxford, Rutland and Warwick. Whether you're reviewing existing pension arrangements or planning a structured retirement strategy, we understand the unique financial challenges faced by rural professionals and farming families. Our advice is straightforward, relevant, and tailored to your goals.
So, why should you talk to us?
We understand the complicated financial jargon and make it simple for you to understand, and we will put a comprehensive retirement plan in place to meet your specific needs.
To find out how we can help you, please call our team on 01832 279170 to arrange a meeting or complete our contact form and we’ll come back to you as soon as we can.
We also offer a no obligation initial consultation to assess your needs. Whether you’re approaching retirement age or just starting to plan ahead, we’ll ensure you have the right information, help you compare rates, and offer guidance on state and private insurance, workplace arrangements, and how to get the most out of your benefits.
Key retirement planning tools
Retirement visualiser
This is a helpful tool to map out your future finances and estimate your likely retirement income based on your savings, state pension, and any workplace pensions.
Understanding the process
We provide step-by-step guidance and support throughout the retirement planning journey. From identifying your retirement age to structuring your personal and workplace pension withdrawals, we make sure you feel confident in every decision.
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.