Pensions
Financial freedom is the goal, but what's the best way of achieving it?
Saving for retirement
Understanding the best way to save for your retirement will always be a complex affair. While the government provides a basic pension in return for all the National Insurance Contributions you’ve paid over your working life, there’s a fair bit of living to do once you’ve given up the day job.
For that, you’ll need to start saving into a pension plan. There may also be other suitable investment structures, as well as tax reliefs and allowances, for you to consider as part of your retirement planning. And, as you near retirement, you’ll want to incorporate any other assets into your plan, such as property or business interests.
It’s up to us to build a clear picture of the retirement you want, and create a plan for the most tax-efficient way to achieve it. This goes hand-in-hand with your savings and investment planning except we’ll also advise on the type of pension suitable for you. And, as with savings and investment planning, we’ll also work through how an unexpected (or expected) turn of events could affect your plan and how we adapt it to keep you on track.
In short, when it comes to retirement planning we will:
- Establish how much you need, and can afford, to save to achieve the retirement you want
- Analyse your existing pension savings and identify any potential shortfalls
- Identify and create an affordable, risk-rated strategy to get you on track
- Review and adapt your plan regularly so you stay on track
Specialist advice areas
Workplace Pensions Advice
For the employed, the pension scheme offered by their employer is an important part of pension planning.
Pension Consolidation Advice
A single retirement pot could make it easier to keep track of your money, give you greater control over your…
Pension Planning Advice
Pension planning is making sure you'll continue to receive an income to sustain your chosen lifestyle, after you've…
Equity Release
Speaking to a professional financial adviser can unlock your route to early retirement. Together, you can visualise…
Personal Pensions Advisers
Pensions are a fantastic, tax-free way to invest for your future. You can put a set amount - known as your 'annual…
Pension drawdown adviser
When you retire, you’ll have a range of options available that allow you to access the money you saved up in your…
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Small, but important print
Registration Number 11942058
Registered in England and Wales
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.
You’ll find details of the regulated status of our firms, including FCA numbers and links to the Financial Services Register on each of the location pages in the ‘Find an adviser’ section.
The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.
The information contained within this site is subject to the UK regulatory regime and therefore targeted primarily at UK-based consumers.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Find full details of the FOS at www.financial-ombudsman.org.uk
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