Retirement Planning

The insightful management and consolidation of your plans.

At some point you may ask yourself, “Have I got enough to retire on?” The answer will depend on your retirement goals. Our role is to help you to define these, to review your existing arrangements and to recommend a suitable retirement plan or a change of approach. Retirement planning is all about giving you peace of mind so that you can look forward to the future with confidence.

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Retirement Planning

Independent Pension Advice

We can advise you on a wide range of pension saving options:

Don’t worry if you are unfamiliar with some of these and whether they are relevant to you. This is something that we will look at together.

  • Personal Pensions
  • Stakeholder Pensions
  • Self-Invested Personal Pensions (SIPP)
  • Drawdown Pensions
    (Flexi-Access Drawdown)
  • Annuities
  • Pension Transfers/Switches
  • Directors Pension Schemes
  • Group Workplace Pensions
    – Auto-enrolment Schemes
  • Pensions & Divorce
  • ISAs & Open Ended Investment Companies (OEICs).

Don’t worry if you are unfamiliar with some of these and whether they are relevant to you. This is something that we will look at together.


Pension & Benefits Review

You’re in your 50s and you’ve recently changed jobs. You feel it’s the perfect opportunity to review your pension and the benefits package. As you’ve got 5 – 6 pension plans you need someone to review them. Should you consolidate them or keep them separate? Should some of your pension savings be transferred to an ISA? It’s complicated!

Planning for the future

You’ve not given much thought to the future. Wherever you’ve worked the company has contributed to your pension and you’ve only recently started to question what that means. You’re now wondering if you’ve enough for your old age? You think that it’s probably wise to speak to someone who knows about these things.

We will only make recommendations about pension products once we’ve got to know you and we have a good understanding of your circumstances and retirement goals.

As with all of our services, we will meet you in person to learn about your:

  • Existing arrangements
  • Current and old company schemes
  • Projected State Pension and Personal Pensions.

We will also want to get a sense of your views on risk and capacity for loss.

Only once we’ve gathered all the necessary information will we make our recommendation. Typically this will involve asset allocation across cash, fixed interest, equity, property and specific funds.

As a Martin-Redman Partners client we will review your pension arrangements twice a year and check that they are on course to meet your retirement goals.

All of this is done in the most tax-efficient way, whether you are building your retirement pot or starting to draw down from it.

Our Steps & Fees

Request a call

To learn more about our approach towards retirement planning, complete the form and an advisor will call you.

Alternatively, call or send us an email.

Call us: 01223 792196

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