Retirement Planning

Our retirement planning advice and services give you the help you need to make the most of your retirement opportunities.

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Retirement Planning

When it comes to thinking about your retirement, it’s never too soon to get started. In an unpredictable financial landscape, now is the time to ensure you have access to the expert retirement advice you’ll need.

We offer a full range of expert advice and services across all areas of retirement planning. Whether you’re looking to maximise your pension fund, you’re nearing retirement yourself, or you’re managing employee retirement, speak to us today.

Make Your Money Work for You

We offer a full range of expert advice and services across all areas of retirement planning. Whether you’re looking to maximise your pension fund, you’re nearing retirement yourself, or you’re managing employee retirement, speak to us today.

The value of a pension with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Pension Calculator

Get an estimate of the monthly saving needed to fund the gap in your required income at retirement.
  • Maximising your pension fund should play an important part in your planning. We offer help in tapering your annual allowance, carrying forward unused reliefs and protecting your lifetime allowance.

     

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

  • Successful retirement planning is about making the right decisions at the right time. We will discuss the opportunities open to you and outline which of our products best fits your circumstances.

  • As your retirement approaches, getting the right support can make a huge difference. We will give you specialist advice to help you understand everything from pension drawdowns to purchasing annuities.

  • Self-Invested Pension Plans (SIPPs) can give a much wider range of investment opportunities than those available through most of the more traditional pension plans, as well as much greater flexibility.

     

    SIPPs will not be suitable for everybody and generally only those who are fairly experienced at actively managing their investment should consider this type of investment. The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances. The value of a SIPP can fall as well as rise. You may get back less than the amount invested.

  • Planning your retirement puts you in control, meaning you can be confident about your future security. If you don’t start planning now, you could outlive your savings, no matter when you intend to retire.

     

  • We work with employers to ensure they understand the pension requirements for their business. Pension legislation has changed in recent years and the introduction of Auto Enrolment effects all employers.

     

    Auto Enrolment pensions are not regulated by the Financial Conduct Authority.

  • We understand the concerns facing trustees and we’ve developed a number of solutions that can help. We will help you create a strategy for incorporating cost-effective actuarial and administrative services.

  • We offer expert and professional advice to the self-employed, which focuses on your individual requirements. When it comes to pension planning for the self-employed, a bespoke, personal approach is key.

     

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

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