Retirement Planning

Looking beyond state provision as a source of retirement funding

Since the financial crisis and with people living longer, most of us realise we need to look far beyond state provision as a source of retirement funding.

But where do you start?

Planning your retirement

With a number of pension savings options available, how do you go about selecting the right vehicle or arrangements to suit your needs once you finish work? And when do you need to start making these arrangements?

We have offices in Wilmslow and Chester and an experienced team of experts. We have spent many years providing retirement planning and investment advice to happy clients who no longer have to worry about how they will afford to maintain their lifestyle in their later years.

To get in touch with us and find out how we can help you with your planning for retirement, complete our online contact form or call 0808 156 1176.

Pension planning

Pension planning falls into two basic categories - the accumulation and de-cumulation stages. Once you work out how much you're going to put into your pension pot, we can advise on the most appropriate methods of accessing your money as and when you need it, and ensure you are not paying over the odds in order to do so. We can also walk you through the various tax scenarios and work out how to reduce the tax bill if your pension is to be left to someone after you die.

There are various different options available to you in retirement. Income drawdown is one option you may wish to consider, depending on your expectations, circumstances and attitude to risk.  The general benefits of drawdown are those of flexibility – important if you expect your requirements may change from one year to the next.  Alternatively, if you are looking for greater security, you may prefer to purchase an annuity, pre-determining a fixed amount of income. In addition, new reforms from April 2015 have introduced pension freedoms for you to consider which allow a greater choice when deciding how to take the benefits from your pension fund. 

Plan for your retirement with minimal stress

It's hard to know how much you should put aside for retirement against the amount you're investing for more immediate gains. Also, if you're hoping to enjoy early retirement, Equilibrium is best placed to help find the most suitable route for you, thanks to our wealth of expertise in retirement planning. We support many clients from around the North West, including Manchester and Cheshire. Get in touch with our advisers today and find out more about our retirement planning services by calling 0808 156 1176 or by filling in our online contact form.


The information contained within the website should not be looked upon as advice or recommendation. Clients should seek the appropriate guidance from their financial planner.