Retirement... a great opportunity

We all look forward to the day when we can retire:

  • Free from the stress and pressures of work
  • To have time to do all the things we want to do
  • To read all the books we never got around to
  • To enjoy leisure and sporting activities during the week
  • To take holidays on the spur of the moment, and more often

BUT will you be able to afford the quality of life that you dream of and which you have worked so hard for? Will the stress and worry of work be replaced with the stress and worry of money, or more to the point the lack of it?

You may have been expecting a pension from the state at age 65. If that pension is only paid at a later date, say age 68 will you need to take extra action in order to fund that shortfall?

Whether you are planning retirement well ahead, taking early retirement, about to retire, or already retired, then the earlier you take action the better.

We can provide comprehensive pensions advice in the following areas

  • Personal Pensions
  • Stakeholder Pensions
  • Personal Pensions and Self Invested Pension Plans (SIPP)
  • Group Personal Pension
  • Executive Personal Pension
  • Employer Schemes
  • Personal Accounts
  • Small Administered Schemes
  • Pension Transfers
  • Annuities
  • Income drawdown
  • Uncrystallised Funds Pension Lump Sums (UFPLS)

Have you asked yourself these important questions?

  • Have I made adequate provision for my retirement?
  • Will I have sufficient money to enjoy the lifestyle I want?
  • Have I calculated the money I will need to live on in retirement?
  • Have I arranged my investments to receive the income I require?
  • Will my pension be sufficient however long I live?
  • Is my pension secure?
  • What effect will inflation have on my pension and other income?
  • Will I be able to afford long term nursing care if I need it?

For more information and a ‘no obligation’ review on your Pension position please call 01772 203 222 or email us

A pension is a long term investment. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.

The value of investments and income from them may go down. You may not get back the amount originally invested.

Past performance is not a reliable indicator of future performance.

Bronze Service Option

A Bronze Service client is seeking advice on a one off basis and does not wish to have any ongoing service or advice commitment from Elementum at present.
Read more about this option.

Silver Service Option

A Silver Service client will seek occasional advice and wishes to have ongoing contact without the need for regular reviews.
Read more about this option.

Gold Service Option

A Gold Service client requires an ongoing, full financial planning service with regular financial reviews.
Read more about this option.

Platinum Service Option

A Platinum Service client has significant investments and/or sophisticated needs requiring an in depth planning and advice service.
Read more about this option.