Pension advice and retirement planning

Expert pension advice to plan your retirement with confidence

Retirement planning just got complicated, which is why so many people nowadays need expert pension advice. That’s because financial horizons are changing, we’re all living longer and your retirement could now be just as long as your working life. For many it’s not so much about a fixed date anymore but an evolving journey working part-time or semi-retired. And with the Pension Freedom rules some are now able to stop working sooner than they had thought. So now might be a good time to look at your options, because retiring could be more achievable than you think.

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?

If you are already retired, we can help you organise your finances so that you can enjoy a full and comfortable life with confidence.

Create the most tax efficient strategy to access your retirement savings

You have probably saved for your retirement in a variety of investment “pots”. If you are starting to use your retirement savings, then the order in which you access these various sources of income might significantly affect the amount of tax you will pay, as well as having implications for inheritance tax planning. Our pension advice will show you the best way to access your retirement savings.

Legacy planning to 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”.

We offer all prospective clients a free initial meeting with one of our pension advisers, to see if our service is right for you.

Book your meeting, to plan your retirement with confidence today.

Retirement planning articles

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Viv and Steve

Retirement & Financial Planning Clients

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

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Mr & Mrs B. Nottingham

Retirement & Financial 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

Director of Riverfall

If you want to know if you are putting enough aside and 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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