Retirement Planning

There are numerous tax efficient ways of providing for a comfortable retirement. The area can be complex so we help you make sense of this and plan for a financially secure retirement. When you retire you still need food, heating and shelter as an absolute minimum, but many individuals will still wish to maintain their lifestyle to which they are now used to living.

A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.

A pension plan requires action as soon as possible, so start today – and if you have already started, take the opportunity to look closer at your existing arrangements to make sure you are on track to meet your own RETIREMENT goals.

We will ask you questions and focus on the important issues such as

How much income will I receive when I retire?

What happens to my pension if I die before I retire?

Who receives my pension if I die in retirement?

Is a pension still regarded as the most tax efficient way to save for your retirement?

What type of pension should I have?

Are annuities levels going to rise? 

Should I buy an Annuity? 

What risks are associated with drawdown pension?

Ashley Independent Financial Advisers can help you choose and decide the best direction for you or your company. It is very important that you review the benefits of your pension scheme and the status of your personal financial plan ON A REGULAR BASIS.

Ashley IFA strongly advises and recommends ongoing reviews as part of its service. We will be pleased to regularly assess your benefits to establish whether they still meet your objectives, and where necessary make appropriate recommendations to you.

A PENSION IS A LONG TERM INVESTMENT; THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.