Pensions and retirement planning

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

An illustration of a man on roller skates with an ice cream

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.

An illustration of a man relaxing in a hammock

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.

A man driving a car with the wind in his hair

Discover more

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.

Related blog posts

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…