Retirement &
Pension Planning

Be in control of your retirement plan. Feel confident you can stop working when you want to. Enjoy the retirement you deserve. Financial Freedom.

Our experience at KWM tells us that the journey towards and through later life is different for everyone, but that most people will broadly experience four stages along the way. These include; starting your savings, reviewing where you have got to, drawing on your retirement savings, and planning your legacy.

Each of these stages bring their own challenges and choices, and you will have your own objectives depending where you are on your journey.

As you move through retirement, your needs and circumstances will change over time. That’s okay. We get that. The idea of what retirement looks like is continually changing. We are living longer. We know there is often high demands on time and finance.

This means we are likely to be spending much more of our later life in retirement, with the idea of what retirement looks like for many people continuing to change. So, getting your retirement savings off the ground and starting your pension as early as possible means that you’ll have a better chance of achieving the retirement that you have in mind.

Saving into a pension can be a really smart and tax efficient way to invest in your future. But don’t worry if you’re not sure where to begin. And it’s ok to start small if you need to, and gradually build up your retirement savings over time. Getting started is what’s important.

Once you have started, reviewing your plan, at least annually, is important to ensure that you are on track to hit your objectives. Your objectives will change and life will naturally move your variables around. Retirement planning is adaptable so reviewing it frequently will keep you on track until retirement creeps up on you.  And it will.

When it does, there are multiple ways in which to plan how to derive your income. Your bespoke income plan should be resolute, tax efficient and sustainable. There are different ways to draw from your pension – pension commencement lump sums, flexible access drawdown, annuities, UFPLS… It will all depend on your own circumstances and requirements.

Wherever you are on your journey, see how we can help you plan for the later life you deserve.

You can design the retirement you want. We can help.

The value of investments will be directly linked to the performance of selected funds and these can fall as well as rise. You may get back less than the amount initially invested.

The levels and bases of taxation and reliefs from taxation can change at any time. Tax relief is dependent on individual circumstances.

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