Our approach

As with any area of financial planning, we need to start with a clear understanding of any existing plans. More often than not, this will necessitate writing to your providers for up to date details about the scheme such as projection of benefits, details of the underlying investment funds and details of any additional benefits the scheme may have. The next step is to get an understanding of when you want to retire, and what income (in today's terms) you are looking to generate. We can then advise you on what you are on course to receive as a total income as well as the additional amounts you will need to pay in order to achieve your target level of income.

We will also discuss the range of options available in terms of different plans and different investment strategies.

Once the initial advice has been agreed and acted upon, we can then agree an ongoing servicing strategy to make sure you stay on track. This will include regular reviews of your fund's performance, your changing views on the investment risk you are prepared to take together with a review of how much you are paying and whether increases are necessary.

If you want a preliminary discussion with one of our advisers you can call or email us - just use the links underneath this article.