Pension advice
and retirement planning

Your retirement. There’s a lot to think about.
We are here to help with expert pension advice and retirement planning.

We’re Retirement Planning experts

What will your retirement look like? Will it be an end to work, or an evolving journey of flexible semi-retirement? How comfortable and carefree will it be? Could you retire sooner than you think?

Put simply, expert guidance from an adviser who understands your circumstances and what you want can make a huge difference to the timing and quality of your retirement.

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People We’ve Helped with
their retirement planning 

How we can help with
YOUR retirement planning

Creating your plan  

You need a plan for your retirement savings to deliver the lifestyle you want, without the fear of running out of money. As well as creating a retirement plan that matches your needs, we’ll show you the most tax efficient way to fund your retirement income.

Looking at your options

Are you thinking of taking redundancy, slowing down or maybe early retirement? Using powerful planning software we can model different scenarios, so you can see what suits you best. Let’s look at your choices. You might have more options than you think!

Reviewing your pensions    

Have you accumulated various pensions over the years? When last did you review their performance? Our comprehensive pension review will assess where and how your money is being invested and how to optimise it to achieve your retirement goals.

Ensuring your money lasts  

We use a sophisticated planning tool that tests your income withdrawal in retirement. It uses more than 100 years of actual financial market data and shows the probability of your funds lasting for a period of time (say 30 years). If necessary, we can adjust the variables to increase the probability of success and create a withdrawal plan that achieves your goals.

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‘‘The question isn’t at what age I want to retire, it’s at what income.’’

We only have one life, and every day is precious. The sooner you have a plan for your money, the sooner you can live your life by choice and not by chance.

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LET’S CREATE YOUR RETIREMENT PLAN

We’ll create a plan that gives you the retirement you really want.

1

What do
you have?

It’s the only true starting point.

Where do you have money in pensions, investments and other assets and liabilities? If we put it all together, how’s it performing and what’s it likely to be worth in the future? Is it right for you, and are you missing anything?

2

Where do you want to go?

This is all about you, and we listen well.

Here we explore what matters most to you. What are your dreams and aspirations? What lifestyle would you like, now and in the future? What do you need to plan for?

3

How will you
get there?

Now we create your plan – a clear pathway to achieving your goals and enjoying your journey.

We model various scenarios, such as when you could afford to stop working and how much investment risk you might need to take to achieve your goals, until we find the path that’s right for you.

Things will change of course but as they do, we’ll update your plan to keep you on track.

OUR EXPERT’S VIEW

How much you should be saving for your retirement? We can help you visualise your financial future, so that you can plan to do the things you’ve always talked about.

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Simon Phippen, Founder and Director

Are You Already Retired?

We can help you organise and draw your money so that you can enjoy a full and comfortable life.

Maximise tax
efficient options

If you are starting to use your retirement savings, the order in which you access your various pension ‘pots’ can significantly affect the amount of tax you pay. We’ll help you make the most of your money with a range of tax efficient options.

Protect and pass
on your wealth

If passing down your wealth to your family is important to you and you don’t want to leave them with a large inheritance tax bill, we can help protect and pass on your wealth to the next generation, both now and after you’ve gone.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

Let’s talk

Do you want a robust plan that gives you the retirement you really want?

Book your free initial consultation for expert pension advice.





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What our clients say

What our clients think of our service is what matters most to us and we are proud of the feedback we’ve had from more than 200 client surveys. Our overall satisfaction score is 93%.

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Read Our Magazine
‘The Bridge’

Communicating with our clients is important to us, so we create our very own in-house magazine into which we pour the expertise of the Riverfall Financial team. It’s full of pension advice and insights on retirement planning.

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Join our mailing list to receive our email Newsletter.

How we can help you?

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Financial planning

Create financial certainty about your future

Start planning

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Investments

Build and safeguard your wealth

Build your wealth

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Retirement planning

Expert pension advice

Plan to retire

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Protect what’s important

Prepare for life’s unexpected surprises

Get prepared

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Later life planning

Make the most of your later years

Future planning

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Estate & inheritance tax planning

Protect and pass on your wealth

Pass it on

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