Pension advice
and retirement planning
Your retirement. There’s a lot to think about.
We are here to help with expert pension advice.
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?
Put simply, expert guidance from a pension 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
Pension Advice
Meet Di & Trevor
‘People just don’t understand what’s possible without taking financial advice and we certainly didn’t think that this lifestyle would be possible. You do need to get professional advice, you can’t do this alone. Thanks to Sue and the Riverfall team for pulling out the stops and enabling us to have a financial future we didn’t think was possible.’
Meet Viv & Steve
‘It’s such a massive decision and you worry about who you can trust. We had a great connection with Jessica and trusted her instantly. Thanks to Jessica and Riverfall we are now happily retired, sooner than we had thought possible.’
Meet Lindsey
‘Trust is so important. For me it’s more than trust though, I have to like the person I’m dealing with, feel they’re on my wavelength and can understand where I’m coming from and what my husband and I want from our retirement planning’.
How can we 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 plan that matches your needs, our pension advisers will show you the most tax efficient way to fund your retirement income.
Looking at your options
Are you thinking of taking redundancy, changing direction or maybe retiring early? By using powerful planning software we can model different scenarios, so that you can see what suits you best. Let’s look at your options. You might have more possibilities 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 your money is being invested and how best 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.
‘‘The question isn’t at what age I want to retire, it’s at what income.’’
We only have one life, so every day is precious. The sooner you have a plan for your money, the quicker you can live the life you want.
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, or 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’ll 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 should you 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.
Simon Phippen, Founder and Director
Are You Already Retired?
Our expert pension advisers will 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 optimise 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 protect and pass on your wealth 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.
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%.
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.
How can we help you?
