Retirement Planning

Retirement is one of the biggest financial transitions you’ll ever make. We combine decades of real-world pensions expertise with cutting-edge cashflow modelling to help you navigate this crucial stage with confidence.

There’s a lot to consider: When can you retire? Will you have enough? What’s the best way to structure your income? Beyond the numbers, there’s also the emotional side—stepping away from a career, adjusting to a new lifestyle, or planning what comes next.

By the time you approach retirement, you’ve built significant wealth—but understanding how best to use it is a different challenge. You may have multiple pensions, uncertain income expectations, and tax complexities to navigate.

That’s where we come in.

We’ll help you answer the key questions, map out your future income, and ensure your savings work efficiently so you can enjoy the retirement you’ve worked for. With a clear plan in place, you’ll have the confidence to spend on the things that matter most—without second-guessing your financial future.

How We Help With Pension & Retirement Planning

• Retirement Income Modelling – Using professional software to see exactly how your savings will fund your lifestyle over time.
• Tax Planning & Pension Allowances – Including Tapered Annual Allowance and carry forward of unused pension contributions.
• SIPPs & Trustee Investments – Understanding self-managed pensions and investment strategies.
• Pension Drawdown Strategies – Structuring flexible withdrawals while managing risk and tax efficiency.
• Pension Annuities – Exploring guaranteed income options and whether they fit your retirement needs.

A well-planned retirement isn’t just about having enough—it’s about making the most of what you have. Let’s build a plan that ensures your wealth supports the future you want.

 

 

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

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.

SIPPs will not be suitable for everybody and only those who are experienced at actively managing their investment should consider this type of investment. The value of a SIPP can fall as well as rise. You may get back less than the amount invested.