Through face-to-face or telephone based financial advice, we help you develop lifetime financial plans that factor in your short, medium and long-term objectives.
As a business we can help you grow and protect your profits, attract and reward your employees and achieve your financial goals.
Planning for retirement can be one of the most important things you’ll face.
Creating a retirement plan and choosing the right pension products early enough will help to ensure you have regular income to draw on in retirement. An Independent Financial Adviser will help you plan ahead so you keep on track to have the retirement you desire.
There are a wide range of pension options available and your employment situation may change many times during your life.
We help you work out how much you’ll need in retirement. As you save, we can help your pot grow by taking into account your work place pension and add any additional requirements you might need to get you where you want.
We’ll also help you to adapt your pension plan depending on whether your life circumstances change along the way, and how you want to take into account your family and later life plan for yourself.
If you build a number of pension pots we can advise you on how to bring them together and the best path.
Retirement is a fact of life. Everyone needs to consider what plans to put in place.
When the time comes, we’ll work with you to put in place your income plan, taking into account your state pension and any draw-down options from your other pension plans.
We’ll help you work out what you need each month and year to maintain the lifestyle you want and do the things you’ve always wanted to do.
We’ll also talk to you about tax implications and mitigation as well as your wider investment plans, so that you have a suitable adjustment of your broader financial plan taking you into later life.
You will be able to enjoy the things you want to in life and have peace of mind.
There are various options available including generating an income from an annuity or investing in a fund that allows you to draw income or lump sums as required. But the option that is right for you will very much depend on your retirement needs and objectives.
This really depends on your retirement objectives. The starting point is to determine how much you need to cover your day to day mandatory expenditure, such as household bills etc. But you will also need to consider your discretionary expenditure on top of this.
This expenditure should also be accounted for.
It is a flexible way to access your pension in retirement and can be utilised from your 55th birthday (rising to 57 from 2028). You can access your savings when you need to whilst at the same time reinvesting your remaining funds in a way that provides you a regular income if required.
We help many clients with this type of pension approach, however the right approach will depend on your own personal requirements.
There are a number of risks associated with any pension arrangement and you should always consider these. For example, your fund value can go up and down, you may not be able to access your money as quickly as you’d like and inflation could erode your returns. How you decide to drawdown your pension can also bring it’s own risks.
The type of pension and how you decide to take your retirement benefits can impact how secure your pension fund is.
Contact us to arrange a call back to discuss how we can help.
It depends on how you decide to take your retirement benefits and can therefore be a complex area to understand. Most pension options allow anyone to inherit your pension which doesn’t always have to be your spouse or civil partner. There are tax implications - so it’s important to understand your options.
Ascot Lloyd can help you understand all of these options and put a robust plan in place.
This depends on your earnings and how much you can afford to contribute, within the available allowances. Tax relief is also available on contributions made, subject to various limits.
We can help you work out the best approach for you based on your individual circumstances.
Advice at home
Arrange to see an independent financial adviser at home, work or your local Ascot Lloyd office.
Advice over the phone
Receive independent financial advice over the telephone or video call when convenient.
Financial freedom is important to us all.
Head office
Ascot Lloyd
Reading Bridge House
George Street
Reading, RG1 8LS
Co No: 07584487
VAT No: GB 143779386
FCA No: 578614
Tel: 0345 475 7500
Fax: 0845 475 7505
Email: info@ascotlloyd.co.uk
Find contentment in your retirement