For most people, their pension income is the main source of their retirement income, so making sure that your pension arrangements will produce the results you want is vital.

When we look at your pension provision, we’ll consider issues including:
What kind of standard of living would you like in your retirement?
What income would you need to provide this?
What are your current pension arrangements forecast to provide?
Do you need to make additional contributions to give you the retirement income you would like?
We’ll look at your expected entitlement from your state pension and any occupational schemes you may have contributed to, or be contributing to, during your working life.

And we’ll consider appropriate opportunities to enhance your retirement income, through options that may include stakeholder pensions, personal pension plans and self-invested personal pensions.

If you have reached retirement age, you may well have received substantial lump sum as part of a pension arrangement. We can advise you on tax-efficient options for investment or ways to protect such assets for your family as part of your estate planning.