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I used Lonsdale Wealth Management more since I semi-retired and started my business. My relationship with my Financial Adviser has been of immense benefit and I have no hesitation in recommending Lonsdale Services to others.

Mr F, Hertfordshire (ISA)

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Retirement Planning

Retirement planning is an essential part of your financial solution. Trust us to work with you and develop an adaptable retirement plan to suit your lifestyle, that will deliver your retirement goals through cash flow modelling. Trust our Financial Advisers to model your current and forecasted wealth, alongside your income and probable expenditure to provide you with an appropriate retirement plan.

Retirement planning involves thinking about your plans for the future now, and investing your money tax efficiently to maximise its value in retirement. It is never too late to start saving, and once your plan is in place we will meet with you regularly to review it.

Pension legislation is complicated but our Financial Advisers have passed the Chartered Institute of Insurance (RO8) Pensions Update examination, in order to better qualify them to offer you up to date pension advice.

Following the recent changes to how pension benefits can be taken, the pension landscape has changed dramatically. 

  • Anyone can access their pension pot, via flexible drawdown.  Pensions have become more like a regular bank account, as you have flexibility in the amount of income you draw at one time.
  • Pensions are also now incredibly efficient ways of passing money down to your beneficiaries without incurring inheritance tax charges. 

To help you understand how the new ‘Freedom & Choice in Pensions’ affects you, we have put together a brochure with fact sheets on the retirement issues to consider at different stages of your life.

pdfYour Retirement Options – Freedom & Choice: before, at and in retirement

pdfYour Retirement Guide

The Money Advice ServiceLonsdale Services is listed on the Money Advice Service's Retirement Adviser Directory. The Money Advice Service is an independent service, set up by government to help people make the most of their money, they give free, unbiased money advice to everyone across the UK.


Retirement Planning Checklist

  • When do you wish to retire?
  • How much can you afford to save for your retirement?
  • Do you have other assets that could fund your retirement?
  • Do you want to pass on your pension to a beneficiary?
  • How much retirement income do you require?
  • Do you have other personal and company pension schemes?
  • Will you qualify for a state pension – if so when?
  • What level of risk are you prepared to take?
  • Could I exceed the Lifetime Allowance and incur tax charges?

Book a Pension Consultation

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The value of investments can fall as well as rise. You may not get back what you invest.

We can help you:

  • Determine how much you need to save
  • Decide on appropriate investments
  • Understand and explain the benefit of pensions
  • Review pension alternatives
  • 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
  • Flexi access drawdown

We contacted Neil after he was recommended to us as we were approaching retirement and wanted to understand if our pensions and investments would give us the retirement which we wanted. Neil took time to understand our current position as well as what we wanted from our retirement. He then created a detailed plan which helped us visualise our financial future and demonstrated that we could retire slightly earlier than we originally anticipated.”

Mr and Mrs J, Staffordshire (Retirement Planning)

Case Study

Generating tax efficient retirement income

How Richard Porter added value with his independent financial advice.

Wealth Management

Wealth Management

Manage accumulated wealth and future income to achieve your long term financial goals. Let us offer you the right services to suit your circumstances, whether you are looking to protect your wealth, invest it to fund your lifestyle, or pass it on in the most effective way.

Wealth Retirement Planning


Lonsdale Services deliver excellent client satisfaction

In the past eleven years we have received client satisfaction views from over 1263 clients. Read what they have to say about our service


Don’t rely on the new health and social care tax to pay long-term care costs

Allan Ross Lonsdale Wealth Management's independent financial adviser in Ware, reviews the new health and social care tax.