Retirement Planning

When planning for retirement, it is vital to know if your retirement provisions will put you in a strong enough financial position to enjoy a hopefully long and prosperous retirement. As your pension is likely to be a key element of your retirement plans, it is important that you understand the tax efficiency, the contribution limits, the investment choices and retirement options available from different types of pension schemes.

How we can help you

Our in-depth knowledge of pension schemes and their alternatives means we can assist you to make the right informed decisions regarding pension provision whilst keeping track of constantly tinkered pension legislation.

Retirement planning consists of two stages. Firstly, there will be the accumulation stage where you make tax effective savings from surplus income or capital. Secondly, you will withdraw income and capital from these accumulated assets to provide benefits in retirement.

During both stages we can advise you on the most appropriate course of action that will help you achieve the varying objectives that you have.

However, pension schemes only form part of a broader retirement strategy that should address estate planning, investment management, tax and risk mitigation, as well as business exit planning. Our financial planners, together with other specialist tax and business advisers within Kingston Smith, are ideally placed to help you achieve your retirement aspirations.

Financial advice is provided by Kingston Smith Financial Advisers Ltd, an appointed representative of Argentis Financial Management Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). The FCA does not regulate some forms of buy to lets, commercial mortgages, tax advice, wills, trusts or certain offshore investments.

Contact us
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Derek Prentice

Director - Kingston Smith Financial Advisers Ltd

+44 (0)1727 896000


Email:
Derek Prentice

David Painter

Chartered Financial Planner - Kingston Smith Financial Advisers Ltd

+44 (0)20 7566 3729


Email:
David Painter

David Mitchell

Chartered Financial Planner

+44 (0)20 7566 4000


Email:
David Mitchell

Steve Wood

Financial Planner

+44 (0)20 7566 3626


Email:
Steve Wood