Retirement planning advice

Our approach includes:

Personalised Retirement Plans

Our advisors will work with you to create a strategy that considers various factors, such as your current savings, expected retirement age, and desired income during retirement. We will also assess potential healthcare costs, inflation, and any other variables that could impact your financial future. By adjusting your retirement plan to your unique circumstances, we ensure that you can enjoy your retirement years with confidence, knowing that your financial needs are met.

Pensions and Investments:

Our team will guide you through the different types of pensions, such as workplace pensions, personal pensions, and self-invested personal pensions (SIPPs). We will help you understand the benefits and limitations of each option, ensuring you choose the best fit for your retirement goals. Additionally, we will analyse your current investment portfolio, advising you on strategies to optimise growth while balancing risk.

Ongoing Support:

Retirement planning is not a one-time event; it requires ongoing support and regular reviews to adapt to any changes in your life circumstances, financial goals, or market conditions. At Applewood Financial, we offer continuous support to ensure your retirement plan stays on track.

Regulatory:

A pension is a long-term investment and the value is not guaranteed. Any advice or considerations are personal to each individual's circumstances.

A pension is a long-term investment, the value of your investment and the income from it may go down as well as up. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Your pension income could also be affected by the interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.

Advice on auto enrolment pensions is not regulated by the financial conduct authority.