Pension advice and retirement planning

Plan the retirement you really want with expert pension advice

Your retirement. There’s a lot to think about. Can you retire sooner than you thought? Will it be an end to work, or an evolving journey of flexible semi-retirement? How comfortable and care-free is it going to be?

Expert pension advice and retirement planning

Planning your retirement can be one of the most important financial tasks you will ever undertake. That’s when taking expert advice from an adviser you can trust really pays. Our pension advisers in Nottingham and Kenilworth will help you look seriously at your options, so that you can plan ahead with confidence.

Are you putting enough aside and when can you afford to stop working?

By using sophisticated modelling software, we can help you visualise your financial future. We can model different scenarios, such as when you might want to stop working and how your investments might perform. Many people are pleasantly surprised once we’ve used this approach. Some are even able to retire sooner than they had thought possible. If on the other hand the scenarios suggest you might not have enough to fund the lifestyle you want now and in the future, we will look at ways to deal with this. The key point is to look at your options and to plan.

When was the last time you reviewed your pension?

Understanding what you have, and do not have, is of critical importance nowadays. Do you have a clear understanding of the performance relative to the risk you are taking? Likewise, do you understand the charges and flexibility of accessing benefits, including the death benefit options which may be restrictive? Our comprehensive pension review service will assess where and how your money is being invested and how to optimise it to achieve your retirement goals, as well as considering what flexibility is needed during your own lifetime and on death.

Plan the most tax efficient way to save for retirement

Our pension advisers will help you create an investment strategy that matches the level of risk you should be taking with the returns you require. We can also help you deal with the complexity of the various tax incentives designed to assist in saving for retirement.

Are you already retired?

We can help you organise and draw your money so that you can enjoy a full and comfortable life.

Maximise tax efficient options 

If you are starting to use your retirement savings, the order in which you access your various pension ‘pots’ can significantly affect the amount of tax you pay. We’ll help you make the most of your money with a range of tax efficient options.

Protect and pass on your wealth

If passing down your wealth to your family is important to you and you don’t want to leave them with a large inheritance tax bill, we can help protect and pass on your wealth to the next generation, both now and after you’ve gone.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

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“The question isn’t at what age I want to retire, it’s at what income”.

Do you want a robust plan that gives you the retirement you really want? Arrange your free initial meeting with one of our expert pension advisers in Nottingham or Kenilworth.

Expert retirement planning in action

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Meet Viv and Steve

Retirement Planning Clients

“Thanks to Jessica and Riverfall we are now both happily retired and doing the things we have always talked about, sooner than we had thought possible.”

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Mr & Mrs B. Nottingham

Retirement Planning Clients

“We have now retired and have confidence in the financial plan that was produced for us. I could not recommend highly enough Riverfall to anybody in a similar position to ours. An absolutely brilliant service.”

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Simon Phippen

Riverfall Founder & Director

Want to know when you can afford to retire?  We can help you to visualise your financial future so that you can plan ahead with confidence.

Are you reviewing your pension options?

‘If you have a final salary pension and are thinking of transferring out of your scheme, we can give you an expert view of your options.

Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

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We can help you plan the life you want …

Financial planning

Create financial certainty about your future

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Investments

Build & safeguard your wealth

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Retirement planning

Plan your perfect retirement

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Protect what’s important

Prepare for life’s unexpected surprises

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Later life planning

Make the most of your later years

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Estate & inheritance tax planning

Protect and pass on your wealth

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