Pension Planning

Take control of your retirement

Pension planning is making sure you'll continue to receive an income to sustain your chosen lifestyle, after you've stopped working.

This income might come from a number of different sources. You might receive rent on one or more properties, or you might have a portfolio of investments that you can draw from. However, a pension will be an essential part of your retirement planning, because they come with a number of attractive benefits.

Workplace pensions are usually topped up with contributions from your employer and/or your own salary. The government also provides tax relief on pension contributions up to a certain level (the annual allowance) and you can withdraw 25% of your pot as tax free cash at age 55. If you die before age 75 you can generally pass on your pension to you beneficiaries without tax implications.

The type of pension that’s best for you will depend on your circumstances (and these will change over time). You might also have more than one pension, making it difficult to track what your retirement income will be. It’s a complex area, and seeking the advice of a financial advisor will help ensure you have a pension plan that meets your needs now and well into the future.

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Amber River Group Limited is not authorised to give financial advice. The financial planning businesses who are part of the Amber River Group are separately authorised businesses and therefore able to give advice.

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