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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Pensions and retirement planning can be complicated.

Our experts will make life straight forward for you by providing advice on areas such as:

  • A cashflow plan – how much will you need to meet your retirement goals?
  • How to invest your money throughout retirement
  • The lifetime allowance and how it might affect you
  • How to make pension contributions using ‘carry forward’
  • The annual allowance and how tapering applies for high earners
  • Structuring your wealth in various tax vehicles to reduce the tax you’ll pay in retirement
  • Making the most of your pension for inheritance tax planning

Arrange a financial review

Get in touch to find out how we can help with your pensions or retirement planning.

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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.
Get in touch with Saltus…