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It is never too late to start saving for your retirement but the sooner you set up a pension plan the more chance you have of achieving your retirement goals.

Richard Porter, Director & Financial Adviser,
Lonsdale Services, St Albans, Hertfordshire

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Pension Planning

As pension schemes are tax efficient investments they generally form a key part of any retirement plan and your overall financial planning solution. Trust our consultants to work with you and put in place an adaptable pension plan which suits your lifestyle and can achieve the retirement you hoped for.

We listen to your requirements, and work with you to set up a pension plan that works for you. Pension legislation is complicated and often changing but our experienced team can inform and educate you about these changes. Through our knowledge and experience of pension planning we ensure you invest in the right pension scheme to achieve your income requirements at retirement.

Pension planning involves thinking about your plans for the future now, and investing your money so you maximise its value in retirement. Although we advise you to start paying into a pension at the start of your career it is never too late to start saving.

Pension contributions can be made on a regular basis or as an ad hoc payment by yourself or your employer. You can claim tax relief on private pension contributions worth up to 100% of your annual earnings.

Once your pension plan is in place we will meet with you regularly to review it and make any necessary changes.

We can help you:

  • Determine how much you need to save
  • Decide on appropriate investments
  • Understand and explain the benefit of pensions
  • Review alternative pension schemes
  • Regularly review your goals

Our approach to retirement planning utilises a broad range of products including:

  • SIPPs
  • Personal pensions
  • Stakeholder pensions
  • Group Personal pensions
  • Occupational pensions
  • Annuities
  • Income drawdown
  • Alternatives to pensions
  • Phased retirement

I have known Ray for a number of years and trust him to give me the best financial advice. Hopefully he will continue to be my adviser for many more years to come.”

Mr Y (Pension Planning)

Pension Planning Checklist

  • How much retirement income do you require?
  • Do you already have any personal and company pension schemes?
  • Will you qualify for a state pension?
  • What level of risk are you prepared to take?

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