Plan for Retirement

If you’re approaching retirement, it’s more important than ever to closely manage your pension. We can help you assess whether you’ll have enough to retire comfortably, taking a detailed look at your savings, lifestyle goals, and expected expenses.

We will guide you through key decisions, including:

  • Drawing an income from your pension in a way that balances your needs today with long-term security

  • Making tax-efficient choices to ensure you keep more of your money and avoid unnecessary penalties

  • Adjusting investment strategies to reduce risk as you get closer to retirement

With our support, you can plan with confidence, knowing your retirement decisions are sensible, sustainable, and aligned with your personal goals. We help turn your pension into a clear, practical roadmap for the lifestyle you want in retirement.

Speak to an adviser
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Tools

Pension Calculator

Compound Interest Calculator

Growth Calculator

State Pension Forecast

Quick answers

  • We assess your current savings, expected income, and retirement goals to give a clear picture of whether your pension is sufficient and what steps you can take to fill any gaps.

  • The timing depends on your financial needs, retirement goals, and tax considerations. Our advisers create a plan to balance income today with long-term security.

  • We help you make tax-efficient decisions, including withdrawals, investment strategies, and income planning, to ensure you keep more of your money.

  • It’s important to review and adjust your investment strategy as you near retirement to pursue more income-generating investments that will help to produce a regular income. We can help you make sure any changes align with your retirement goals.

  • Absolutely. We take a holistic view of your goals, helping you plan your pension withdrawals and other income sources to maintain the lifestyle you want.

What our clients say

testimonials

“A friend recommended the Money Partnership when my wife and I sold our business and retired in January 2023. We needed professional advice to manage our tax and pension affairs to avoid the tank traps that you can inadvertently drive into in the fog of complex regulations and legislation. My friend is still on my Christmas Card list as Geraint, the owner of this firm, and his team are as professional a group of advisors as I have met in my 40+ years of experience in business management. They are competent, knowledgeable, responsive and transparent and I recommend them most highly.”

Robert

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.