Pension Advice
and Retirement Planning
Your retirement. There’s a lot to think about.
We are here to help with expert pension advice.
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.
Steve's story
‘I looked at the bits and pieces of pension pots from a variety of different jobs but had no idea what it amounted to or how to organise it… so I panicked, Googled financial advisers and was lucky enough to find Jessica at Riverfall.’
Your Retirement Financial 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.
Request a Call
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.
Tax treatment varies according to individual circumstances and is subject to change.
‘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.
Our Expert’s View
If you want to know how much you should be saving for your retirement, we can help you create a plan to do the things you've always talked about.
What our
clients say
Frequently Asked
Questions
Absolutely not. Your first meeting, typically lasting an hour, is at our expense and is the opportunity for you to decide if you would like to work with us. It is also an opportunity for us to ensure that we can add value for you before proceeding any further.
We are based in Ruddington and also have office space in Mountsorrel near Loughborough as well as central London. For directions to our Ruddington office please visit our About Us page.
We would always suggest, where you are comfortable and where practical, that your initial meeting is held face to face. We also have Teams conference calling and are happy to speak over the telephone. Call us today and one of our team will be happy to set up an appointment time, day and method that suits you best.
We offer Personal Planning, Business Planning and Mortgages & Protection, including Final Salary Pension Transfer Advice. If there’s an area which we can’t offer assistance on we will help you source alternatives if suitable. We would be happy to run through everything that we offer in an initial, no obligation meeting.
All of our fees are agreed upfront and before any chargeable work is carried out, providing you with the peace of mind that you understand exactly what you’re paying. We also offer a range of payment methods. Our planners are happy to discuss our fee models in an initial, no obligation meeting and will always provide a bespoke proposal for your consideration.
Read our magazine
‘The Bridge’
Communicating with our clients is important to us, so we create our very own magazine, into which we pour the expertise of the Riverfall Financial team.
It’s free, it’s exclusive and it’s full of insight on how your money can help you make the most of your life.
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