Retirement planning is a complex area of planning and is not just about pension schemes. Your retirement planning can be made up from many different sources of income and also reducing your debt.
In order to help you plan for your retirement we can use the latest cash flow modelling software so you understand where your income may come from and also look at different options to see how this can effect your retirement, for example downsizing your home.
Pensions are one of the financial tools whose purpose is the provision of money in old age.
Because it is considered good public policy to try and get people to save for their own retirement (rather than rely on the State) pension funds are given special tax treatment.
Over the years, however, governments have changed the system so much that it is all highly complex (much more complex than it should be).
Pension plans are a very important part of your retirement planning the options available before and at retirement are very complex and professional advice is essential.