Step into your retirement with unprecedented freedom!

The pension freedoms unleashed in 2015 put the reins in your hands, offering flexibility to sculpt your ideal retirement income. Enjoying the journey is important, but just as vital is ensuring your wealth aligns with the life you want to lead.

Imagine a retirement where your income adapts seamlessly to your evolving plans and lifestyle – that's the beauty of pension flexibility. Yet, amid the excitement lies a challenge: navigating a sea of pension products and unpredictable factors, such as inflation and taxes.

That’s where we come in. As experienced retirement plan advisers, we offer expert financial planning for retirement that helps you make the most of your pension options while building a tax-efficient, long-term strategy tailored to your life goals.

A Fresh Approach to Retirement Planning

It’s not just about pensions, it’s about building an alternative retirement plan that supports your present needs while paving the way for future security and a meaningful legacy.

Whether you're exploring traditional pension options or seeking more creative solutions, we help design a personalised retirement planning roadmap that incorporates savings, investments, and estate planning to protect your wealth and help maximise your freedom.

Through holistic wealth management, we aim to provide clarity and confidence at every stage of your journey – from your first steps into retirement to the later years when support and flexibility matter most.

Your Retirement, Your Way

Picture this: a retirement where you're not just financially secure but thriving, with the freedom to relish each moment. Retirement isn’t only about pensions; it's about crafting a comprehensive strategy that helps to fortify your assets, so that they not only support your present but also pave the way for a legacy that echoes your values.

Your retirement is a masterpiece in the making, and we specialise in creating strategies aiming for your assets stand the test of time. Whether you’re considering an alternative retirement plan or optimising your existing pension, we’ll guide you through every aspect of retirement planning with clarity and confidence.

Common Retirement Planning Questions

You may find it helpful to see some of the FAQs around retirement planning that we get asked:

• Can I increase the income from my capital during periods when interest rates are low?
• What can I do to protect my pension from rising inflation?
• My income tends to fluctuate. How can I make it consistent and also tax-efficient?
• Can I reduce the risk of investing at the wrong time or in the wrong thing? It seems such a lottery.
• How do I create an income in retirement that fits with my views on risk, but will last my lifetime?
• I’ve put aside some extra capital in case I need long-term care. How can I minimise my Inheritance Tax liability on it?
• I want to gift money to my grandchildren each year for their education, but they’re too young to look after investments. What should I do?
• Is there another way to help my loved ones, apart from gifting?

We can help answer any one of these questions, and many other areas of financial planning for retirement that you might feel unsure about. There are ways to optimise your personal financial situation, especially around tax planning, and we would be happy to guide you through them.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is generally dependent on individual circumstances.

Why Work With Us?

With decades of experience in wealth management and personalised retirement strategies, we’re here to help you build a future on your terms. As trusted retirement plan advisers, we listen to your goals, understand your lifestyle, and create a plan that supports both.