Financial planning for your retirement
Maintaining your standard of living in retirement is a concern for many people. The Government’s message that individuals need to be taking more responsibility for their financial well being must be taken on board – with the State no longer providing an adequate retirement pension, the rapid decline in final salary pension schemes and increased longevity.

Your situation is complex
Many people’s pension situation is complex – with a number of different pension schemes being accumulated over their working life. Tower Hill Associates, as part of our financial planning process, will take time to unravel the detail and consider whether you have adequately provided for your retirement.

You need retirement planning advice
You can do much to ensure that sufficient critical capital is built up. This may include the best use of your annual ISA allowance or setting up a stakeholder pension. For larger sums, a Self Invested Personal Pension (SIPP) might be appropriate. Tower Hill Associates can give you useful SIPP advice, ensuring that any SIPP investments you might make are consistent with your retirement financial planning goals.

You need tax efficient solutions
Tower Hill Associates will always consider the tax implications of our advice. However, any decisions should be made in the context of your overall financial plan, rather than to achieve a short term tax benefit.

You need a financial planner that understands the new pension flexibility rules
With more choice and flexibility on how you can best utilise your pension funds from April 2015, comes responsibility to you and your family to make the right decisions. A Chartered Financial Planner with advanced pension qualifications and an FCA approved transfer specialist is best placed to navigate you through the various options.

To arrange a free consultation, please call one of our financial planning experts on 020 3865 2379