Retirement Planning Telford

Pensions & Retirement Planning Telford & Shrewsbury

Outlining and following a structured retirement plan is becoming an ever increasingly pertinent issue.

The main goal is to grow funds that will provide a comfortable retirement, providing the standard of living you desire.

Retirement Planning Telford


One of the best aspects of pensions for you, the client, is the tax efficiency achieved by making pension contributions.

For example, if you are a basic rate tax payer (normally taxed at 20% on your entire earnings), then each £100 contributed to your pension is grossed up to £125.

Higher and Additional rate tax payers can benefit even further by reclaiming additional tax relief through self-assessment.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.


There are a variety of ways your pension fund can be held, generally these are categorised according to the degree of risk involved with investing in different assets.

Decisions on where your funds are held are based upon your desired time until retirement and your personal attitude to risk (amongst other factors).

Which is determined by using a set of key questions that provide us with a rating based on your answers.

With all quality, professional advice, there are associated charges to be aware of, this can be as a percentage of regular contributions over an annual period or a percentage of an initial lump sum.

These charges cover the professional advice and administration provided and management of the fund itself.

With careful planning, the ideal outcome is that your pension fund should be able to provide income throughout your retirement.

There are various ways this can be achieved, whether it is by purchasing an annuity, providing you with a guaranteed set income for life, or by flexibly accessing your pension fund.

It is possible to take up to 25% of your pension fund tax free with the remainder taxed as income.

As a nation, we are all living longer, stretching out how long the funds we build in younger years must last.

This emphasises the importance of early planning to ensure you maximise your pension fund potential.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Our pension proposition includes the following areas:

Self-Invested Personal Pensions / Small Self-Administered Schemes*
Personal Pensions
Group Personal Pensions
Auto-enrolment schemes*

*We introduce you to a third party and do not provide the advice

Contact Us

If you want to know more about our retirement planning Telford pension services, or wanted to talk more about your needs, please get in touch with us.