PODIUM FINANCIAL
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Retirement Planning

Retirement Planning and Guidance

Retirement is a chance to do more of what you enjoy. When it comes to planning for your retirement, you need to think about what you’d like your life to be like. Many people see retirement as an opportunity to travel, go on holidays or take up new hobbies. All of these cost money, so working out how you would like to spend your time can help you determine how much income and savings you’ll need.
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Once you have an ideal retirement in mind, we will talk through your plans with you and look at what retirement income and savings you already have.

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Will your income meet your needs?
If there is a gap in your pension savings, there are a number of options for you to consider:​
  • Paying more into your pension
  • Using other assets to supplement your retirement income
  • Working for longer
  • Conducting a review of your existing pension provision, to ensure that your money is working for you

​Understanding your options at retirement
The way you take an income from your pension savings can be just as important as how big those savings are, and new pension rules which came into force in April 2015 now give much greater flexibility over the options you have in retirement.

There are several different ways to access your pension – some bring greater flexibility (but greater risk), while some offer greater security (but less flexibility). However, it is possible to combine different methods to achieve the balance that suits you.

A pension is a long term investment not normally accessible until age 55. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.

It is therefore important to take advice on the various options open to you.
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Regulatory Statement

Podium Financial Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. Podium Financial Limited is entered on the Financial Service register (www.fca.org.uk/register) under reference number 912928.
Registered Address: Rangers, Weycombe Road, Haslemere, Surrey GU27 1EL. Registered in England & Wales No. 12144064.
The information contained within this website is subject to the UK regulatory regime and therefore restricted to consumers based in the UK.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren't able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.
Photo used under Creative Commons from Maria Eklind
  • Home
  • About
  • Our Advice Process
    • Privacy Policy
  • Our Services
    • Estate Planning
    • Investment Planning
    • Retirement Planning
    • Protection
  • Client Reviews
  • Contact
  • News Articles