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Pensions and retirement planning
The retirement you deserve
Let us help create a flexible financial plan to make the most of your golden years. Supporting you to achieve what you want to achieve.
Planning a strategy
For the retirement you’ve earned, you may need a financial plan that includes savings, pensions, and a diverse range of investments to ensure you’re fully prepared for life after work.
Pensions
We’ll review your pension(s) to see whether they’ll provide the income you need. We might consider consolidating your pension pots if required, to help get the most out of your underlying investments, cut down on complexity and save you time to spend on the things you love.
Savings and assets
Savings should be a significant part of any retirement plan. Whether you contribute to an ISA or savings account, or own shares, bonds or property, we can assess your assets to see if they’re performing as well as they should.
Income and retirement
Your personal Brooks Macdonald wealth manager will carefully review your assets – such as pensions, savings, and investments – and formulate a plan that not only gives you an income but does so in the most tax-efficient way, factoring in any long-term inheritance goals.
Why Brooks Macdonald?
With Brooks Macdonald, you benefit from decades of experience in pensions and investing, and a level of personal service that prioritises your needs.
Planning
Backed by our in-house team of financial and investment experts, we’ll create a personalised pension strategy based on your circumstances and goals and set out how you can save for retirement tax-efficiently.
Investments
By taking a holistic view of your investments, we’ll be able to create a strategy that gives you an income while keeping an eye on assets, so wealth is generated over the long term.
Regular reviews
Circumstances can change during retirement: You might have to pay for the care of elderly parents or consider downsizing your property. Our regular reviews help us tweak your pensions, savings, and investments if your circumstances change.
Dedicated support
Your dedicated Brooks Macdonald personal wealth manager will help you understand your financial situation – from pensions to savings – and whether your finances are optimised for retirement.
Your questions answered
Can’t find what you need here? Our FAQs may provide the answer to your queries.
How do I plan for retirement?
How do I plan for retirement?
The best thing you can do is create a financial plan to anticipate how much income you might need for the lifestyle you want. A financial plan is like a storyboard that helps you achieve the things you want in life. It looks at all your assets, liabilities, income and expenditure so you’ll be able to understand how your pensions and investments are stacking up.
How much do I need to retire?
How much do I need to retire?
The amount you need is individual and there’s no one-size-fits-all approach. Working this out is a key part of pension planning. A financial adviser from our team can help you understand how much you’ll need in retirement by working with you to build a sufficient pension pot to maintain the lifestyle you want.
How do I use my pensions to provide retirement income?
How do I use my pensions to provide retirement income?
You have different options for how you can take income from your pensions. A financial adviser will help you determine what’s best for your circumstances. This can be a technical area and your financial adviser will make sure your income is maximised in a tax-efficient manner.
Should I put the maximum into my pension?
Should I put the maximum into my pension?
Again, it depends on your personal circumstances, and advice from our team could help you with this. However, pensions are one of the most tax-efficient methods of structuring investment portfolios. Pension advice is generally a key part of our wealth-planning conversations.
Should I combine my pensions?
Should I combine my pensions?
You should talk to your financial adviser about the best solution for you. Some pensions may have attractive benefits that are no longer available – ones you wouldn’t want to lose. Your financial adviser will also talk you through the process of how to consolidate pensions.
How can I be tax-efficient in retirement?
How can I be tax-efficient in retirement?
We use cash flow modelling to work out the most tax-efficient way to take income in retirement. This can help you visualise your future income, asset and tax position. We can then model different scenarios to show the impact this may have on your plan. We will regularly check your financial plan to make sure all is on track and suggest any required adjustments.
Our insights
Where to start
Request an initial consultation
If you’d like to learn how we can help plan for the future you would want, click the button below and a member of our team will be back in touch to arrange a free consultation.
Get in touch
Call us on 020 7659 5881 or email us at [email protected]
