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)

play the video

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

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

Complete the form below and we’ll be in touch.

submit

You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

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)

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


10-12-2018

Aaron Abraham, IFA - Self-employed millennials to consider saving into a pension

Lonsdale Services recommend that self-employed millennials consider saving into a pension.


20-11-2018

Simon Prestcote, IFA, Barnet, North London– When do YOU need financial advice?

Simon Prestcote, Chartered Wealth Manager, Barnet, North London reviews when it pays you to get financial planning advice