Retirement Planning with DS Howell;
Allow us to support you into your next phase of life.

Our knowledge and expertise will put your mind at ease and aim to maximise your retirement plans and investments.

Whether retirement is just around the corner or still many years away, it is important that you are fully prepared for when the day finally arrives and you decide to walk away from the working environment and head in to your much deserved retirement.

It is important to make sure that you have not only saved enough money, but that you can sustain the necessary level of income that is needed during your retirement. This is a daunting challenge for most.

Our knowledge and expertise will help to put your mind at ease, whether it is reviewing your current pension plans or starting from scratch.

When establishing an income and taking a lump sum from your pension, it is important to understand and appreciate the pension rules and the ever changing legislation. Whilst there has been increased flexibility in recent years in relation to accessing your pension, the rules have equally become more complex. Our team of financial advisers can assist you in making the right decisions and reduce the risk of paying unintended tax.

There are many other aspects which are important to consider. You may find that your current pension arrangements do not reflect your personal objectives. Contrary to belief, older style pensions are not automatically updated to reflect the most recent legislation and you may also find they are extremely expensive when compared to modern pension plans. This can not only impact the way in which you can access your pension pot, but significantly limit the benefits payable on your death. It is definitely worth taking time to explore and understand what your options are, and the impact these options may have on your retirement plans.

What we can offer you

A comprehensive pension “health check”, conducted by one of our fully-qualified pension experts covering:

  • Does your current plan reflect all the legislative changes that have come into force in recent years?
  • How you can take your pension. We will provide a full breakdown of the options and restrictions that may impact your goals and objectives.
  • Pension death benefits. Are there any limitations that you may not be aware of? We will provide you with the options available and discuss potential improved alternatives.
  • Assess and understand the charging structure of your pension. Are you paying too much for the service that you are being provided with? And does the plan reflect the legislative changes that have come into force in recent years
  • Review the underlying investments in your pension to make sure that they will achieve your objectives and meet your agreed level of risk.

We love growing your wealth

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Contact Us

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