You may be seriously considering retirement or want to understand if you could begin working fewer hours and supplement your income from your existing pensions. Perhaps you are considering whether to withdraw tax-free cash from your pensions and want to understand the impact this may have for your standard of living in retirement, or maybe you have researched the options available to you under the Pensions Freedoms Act and you are seeking professional financial advice to guide you in this complex area.

There may be other factors that prompt you to consider financial advice; for instance you may have received an inheritance which you are unsure what to do with, or maybe you have an outstanding mortgage balance and want to consider how to address this.

The Questions we can help you answer

• Should I access some or all of the tax-free cash available from my existing pensions?

• Is flexi-access drawdown right for me? What is an annuity? And what are the advantages and disadvantages of these withdrawal methods?

• How long could my pension last in retirement in order to maintain my current standard of living?

• If I stop work, do I still require financial protection?

How we can help you

• Identify your retirement goals and attitude to risk and recommend a suitable retirement income plan

• Ascertain whether it is possible for you to retire and achieve the standard of living you wish to have throughout your retirement

• Review your existing pensions and investments to check that they remain suitable and are able to provide the retirement income you need

• Provide cashflow modelling to demonstrate the level of income you could realistically hope to achieve in retirement and recommend any changes that could be made in order to improve this, such as maximising tax-efficiency of withdrawals and ensuring that your pension plans are working as hard as possible for you

• Identify alternative savings, investments and assets that could be used to fund your overall retirement strategy

• Review your existing financial protection policies and conduct scenario planning to ensure that you are not under or over-protected to meet your current and future needs

• Regularly review your retirement strategy to reduce longevity risk, to guard against running out of money due to unsustainable withdrawals or poor market performance

• Review your outstanding mortgage account and provide a recommendation on retaining this mortgage or switching to a more suitable plan

There is a risk to your capital, and you may not get back the full amount invested. The value of investments and any income from them can fall as well as rise.

The financial conduct authority do not regulate will writing, loans, credit cards or some forms of mortgage, tax advice, offshore investments and estate planning.