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Pensions and retirement planning

Deciding when to retire is a potentially life-changing decision and can feel like a daunting leap...

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Some people want to travel the world, take up a new hobby, or help their grandchildren when they retire. Others want to take part in charitable work or start a small business. Whatever you are planning, we can help you.

There are many elements to consider – how to ensure your capital lasts as long as you require, how to meet your day-to-day expenditure as well as larger ad-hoc payments, and how much you might want to pass on to your family. At Saltus, we gather as much information as possible on your existing assets and then harness our technology to show you exactly how to achieve the retirement you’re after.

Our aim is to make resolving a complex issue an enjoyable and empowering process. Pensions of all shapes and sizes can be advised upon, alongside other savings vehicles and accounts depending on your needs. We’ll explain frequently changing tax rules and, importantly, help you make the most of the incentives available to you. Our goal is to help you reach financial freedom earlier and more effectively.

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Retirement planning and wealth management can be complicated.

Our financial advisers make life straightforward by providing personalised retirement planning services and advice on areas such as:

  • A retirement cashflow plan – how much will you need to achieve your retirement goals?
  • Investment and retirement planning – how should your money be invested before and throughout retirement?
  • How current pension commencement lump sum (tax-free cash) rules and protections may affect you
  • How to structure your investments tax-efficiently to reduce the tax you may pay in retirement
  • How your retirement plan forms part of your wider estate and inheritance tax planning
  • How to consolidate your pensions and make pension contributions using ‘carry forward’
  • The annual allowance and how tapering may apply to high earners

Do you need help with your retirement planning?

Our specialists can help you prepare for retirement and provide ongoing advice once retirement has arrived. Get in touch to discuss how we can help you.

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Financial planning

Financial planning can help you reach your goals in life, whether you want to determine when you can retire comfortably, bring organisation to your financial world or pass on your wealth effectively.

Reducing your tax burden

How to structure your wealth and access income should be approached in a sophisticated way. A detailed financial plan may use pensions, ISAs, general investment accounts, offshore bonds and other tax wrappers to ensure you can draw your money in a tax-efficient manner.

Consolidating your wealth

Holding multiple investment accounts and pensions can mean they’re hard to keep track of and administer. We’ll help you overcome this by consolidating your accounts into a single plan so that you can understand your financial position with ease.

Protecting you and your assets

We protect our cars and houses without much thought yet you might be the most valuable asset in your family. Whatever your situation, we can provide advice to ensure you have the right level of insurance in place to keep your finances protected.

Passing on your wealth

Estate planning is more important than just having a Will. We’ll work closely with you to understand how estate planning, which has emotional as well as financial consequences, can impact your overall financial plan.

Significant life events

Significant life events can present great opportunities but also considerable challenges. Whether you are going through a business sale, divorce or are receiving a lump sum, we’ll help build a financial plan to meet your changing lifestyle.

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Investments do not guarantee a return, the value and the income from them can fall as well as rise. You may not get back the amount originally invested. Tax advantages and the way benefits are taxed may change to your benefit or detriment as a result of legislation change. This can happen without notice and can be retrospective.

Our locations

Whiteley
Solent Business Park, 4500 Parkway, Whiteley, PO15 7AZ
Bath
Queen Square House, Queen Square Place, Bath, BA1 2LL
Bournemouth
Suite 10, Branksome Park House, Branksome Business Park, Bourne Valley Road, Poole, BH12 1ED
Bristol
Spaces Castle Park, Programme Building, The Pithay, Bristol, BS1 2NB
Elstree and Borehamwood
Unit 2, Elstree Way, Borehamwood, WD6 1JD
Farnham
Cheyenne House, West Street, Farnham, Surrey, GU9 7EQ
Leigh-on-Sea
1279 London Road, Leigh-on-Sea, SS9 2AD
London
3 -5 Rathbone Place, London, W1T 1HJ
Newcastle
Floor 5, One Trinity Gardens, Broad Chare, Newcastle upon Tyne, NE1 2HF
Old Welwyn
8 Prospect Place, Old Welwyn, Hertfordshire, AL6 9EN
Penarth
The Gallery, 1-3 Washington Buildings, Penarth, CF64 2AD
Poole
52, Parkstone Road, Poole, BH15 2PU
South Hampstead
2nd Floor, Charles House, 108-110 Finchley Road, South Hampstead, London, NW3 5JJ
St Albans
2nd Floor, Dagnall House, 2 Lower Dagnall Street, St Albans, AL3 4PA
Wells
Melbourne House, Wells, BA5 2PJ