RETIREMENT PLANNING

Cedar House Financial Services, established in 1986, have more than 25 years’ experience of helping clients to plan and achieve their personal and business financial goals.

Planning for retirement requires careful consideration. It is a process of determining your aspirations for retirement and then implementing an agreed plan.

We regularly review the progress of your plan to ensure this meets your evolving retirement needs. This also involves the use of leading edge technology coupled with years of experience to implement the plan.

On the other hand, if you have already reached retirement, we can help you to establish the best option to suit you with the wealth you have worked hard to accumulate.

Working together, looking at all aspects of your existing and future financial position we can help you make the right choices now for your own unique retirement requirements.

This could include:

• Reviewing your current arrangements in detail to ensure these are working as they should be to meet your retirement needs.

• Deciding when and how to start taking retirement income – looking at the options available to you, perhaps phasing in your pension income to suit your gradual retirement from your employment.

• Consider pension income options including guaranteed ‘third way’ pensions to ‘enhanced’ annuities – looking at lifestyle factors that could be affecting your health, but offering a potentially higher income. 

• Working with the current pension tax advantages offered by pensions and explaining how these affect you to help you make informed decisions to avoid paying unnecessary tax on your accumulated pensions or income.