After years of hard work, you deserve to enjoy a comfortable retirement lifestyle. However, the age for receiving your state pension continues to rise. This means we all need to consider what state pension we might receive and whether it’s sufficient to live the life we want to when we retire.

This is where the importance of pension planning is vital. As people are living longer, it’s possible that you may need more than just the state pension in order to live comfortably when you retire.

Whether retirement is just around the corner or years away, without planning for retirement, there is a big risk that you may outlive your savings.

Everybody has different retirement requirements, whether you need to review your current pension plans or need to set up Pension provisions, it’s important that you receive expert guidance on your pension needs.

As a Partner Practice to St. James's Place, we have the means to help you make the most of your pension opportunities and consider the relevant factors that may need to be taken into account such as what age you want to retire, what income you might need and the amount you can afford to invest.

It is worth highlighting that the suitability of our advice is guaranteed by the St. James's Place Group.

Please feel free to contact us for a no obligation review of your pension plans.

You can also use our Retirement Planning Calculator to give you an indication of the savings needed in retirement and what income you might expect to receive from any existing pension funds.

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

An investment in equities will not provide the security of capital associated with a deposit account in a bank or building society.

The levels and bases of taxation, and reliefs from taxation, can change at any time and are dependent on the individual circumstances.