Pensions
Keep track of your options when it comes to retirement planning.
Planning For Your Retirement
Hammond Financial Planning work with you to consider all the options based on your needs and investment risk appetite.
As part of the financial planning process, it is our job to blend the savings vehicles that will yield the most efficient income in retirement.
Providing you with the standard of living you wish after you stop work
Planning for your retirement is possibly the most important financial decision you will ever make. With life expectancy increasing year on year, we are now seeing the potential to spend almost as many years enjoying retirement as we have spent saving for it. Planning for it correctly will provide you with the standard of living you wish after you stop work.
Forward planning for your retirement can mean having the reassurance of financial security in later years, rather than the worry of wondering how you will cope. A comfortable lifestyle in retirement is something to which we all aspire, and increasing longevity means that we all need to make extra provision for that retirement.
A pension is a long-term investment. The fund value may fluctuate and can go down, which could have an impact on the level of pension benefits available.
Your pension could be affected by interest rates at the time you take your benefits. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation, which are subject to change in the future.
We offer advice and assistance with many pension products, including but not limited to the following:
- We will review your current and future income and expenditure needs
- We will fully assess your existing retirement provision and its suitability
- We will fully assess your views on investment risk whilst taking into account your existing exposure to risk-based assets
- We will use sophisticated cash flow analysis to help you visualise your financial future
- We will provide regular reviews to ensure that you keep on track with your retirement goals
Our Services
Investments
Typically, many of our clients may want to invest money on a regular basis to build up a capital sum for the future.
Pensions
Hammond Financial Planning work with you to consider all the options based on your needs and investment risk appetite.
Estate Planning
Contrary to the belief of some, Inheritance Tax not only affects the very rich, but other people may be liable without realising.
Business Owners
Our work at Hammond Financial Planning with business owners brings us into contact with companies of all sizes across the UK.
Protection
Wealth and personal protection is an essential must-have to secure the future for both you and your family if an unexpected life event happens.
Get in Touch
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