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Retirement planning

Retirement planning

Plan your retirement now. Enjoy more of life later.

Daunting. Confusing. Time-consuming. Retirement planning can be all these things. But it’s essential to your future happiness. So why not let us take care of it?

At Allisons, we remove all of the hassle, while helping you secure a more comfortable, enjoyable future. That means talking you through every aspect of retirement planning. Identifying the most tax-efficient ways to save for later in life. And protecting all of the personal wealth you’ve worked so hard to build.

What does retirement planning cover?

  • Pensions, ISA’s, SIPPs and annuities
  • Saving plans and inheritance tax
  • Life assurance and income protection
  • Property investment and tax efficient investment

Whatever stage of life you’re at, the first thing we’ll do is get to know you. Where you are right now. Your top priorities. And where you’d like to be in the future. We’ll then map out a clear path to get there, so you can achieve all your goals and live comfortably when retirement comes.

Do I really need to plan my retirement?

You may be wondering if you really need to start planning right now. Especially when you’ve got other things on your plate. After all, you could be paying off student loans, getting on the property ladder, starting a family or just busy living life. Yet retirement planning has changed over recent years. Fewer people can now count on a final salary pension, while you have to wait much longer to qualify for a state pension. By starting to prepare now, you can relax knowing the future is taken care of.

Why plan now?

We know it can be a boring subject. Often confusing and complex. That’s why we’ll make the process easy for you, in a way that fits with your other priorities in life. You might think of it like eating healthy, doing yoga or going to the gym. It’s good to know you’re doing the right thing. But even better to know that will mean a healthier, more vibrant life in the future.

Your wealth is no different. In fact, you may not realise just how much your assets can be eroded by tax and inflation if they’re not carefully managed. Just like a good yoga teacher or gym instructor can help you preserve and nourish your body, we can help you build and nurture your wealth with an investment and savings plan. One that minimises the effects of tax, inflation and all the ups and downs of the stock market.

How do I plan for retirement at different ages?

Stage 1 Build

20-35 years

  • Planning for a better future
  • Purchasing your first home
  • Savings & investments
  • Build an emergency fund

Stage 2 Accumulate

35-50 years

  • Managing increased responsibilities
  • Maximising savings & investments
  • Moving house or re-mortgaging
  • Building a pension

Stage 3 Protect

50-65 years

  • Retirement planning
  • Protecting your investments
  • Distributing your wealth
  • Review investments

It’s never too early, or too late

The earlier you can start adding to your pension pot, the better. After all, the decisions you make now will compound as you go through life. But it’s never too late, either. So wherever you may be starting from, we’ll help you get the most from your money in the future, while getting the most out of life right now.