The value of your investments can go down as well as up and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances and where you live in the UK also have an impact on tax treatment.

If you’re getting near to retirement, you’ll want to be sure that the money you have saved will last. You also don’t want to be saving into a pension for years only to pay more tax than you need to when you are retired.

That’s why making a retirement plan with advice from an expert will help ensure you have the best options for the kind of lifestyle and income you want in later life. Having a plan means your money could last longer and with ongoing advice and support you won't spend too much time on admin, giving you more time to enjoy the things you love most.

How Retirement Advice can help you

Here’s a closer look at how an adviser could help you:

  • Avoid paying too much tax: An adviser can look at your income sources and make a plan to help you lower your tax bill.
  • Use your benefits: Your adviser will typically help you make use of all the tax-allowances available to you.
  • See what’s possible with your money: Advisers can look at how much money you have saved for retirement and advise the best way to take your income sustainably.
  • Investment support: If your money is still invested after you retire, an adviser can help you make investment decisions.
  • Get peace of mind: You can ask your adviser questions directly and get the peace of mind that comes with a professional helping to make complex information simple.

Hear directly from the experts

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More useful information

You can get more useful guides and details on the advice we can offer here: