Retirement Planning


The good news is that more of us are living longer. But that brings its own problems. We have higher lifestyle expectations than previous generations, yet are being expected to provide for ourselves to a greater extent than many of us expected.

For wealthier people, and self-employed professionals, of course, reliance on the state has never been a viable option, and personal saving, via pension plans and other investments, has always been essential to ensure a comfortable old age. You may be confused about the merits of your various pension providers or unclear as to which of the available retirement income options is best for you.

Ray Martin has many years experience in dealing with retirement planning and income issues, especially as they affect self-employed professionals.

We can:
  • Collate, analyse and evaluate your existing provision
  • Advise on how its structure might be improved, including, where appropriate, by way of transfer
  • Illustrate what retirement income you might reasonably expect from your accumulated fund, adjusted for inflation and taking account of likely further contributions
  • Advise on an appropriate ongoing funding rate
  • Identify the most-appropriate products and cost-effective providers
  • Advise on the merits of self-invested personal pension schemes (SIPPS)
  • Help structure comercial property purchases in SIPPS.
  • Advise you on how best to take your retirement income, whether by annuity, ‘pension income withdrawal’, or a combination of both