Retirement Financial Planning

Without a plan, retirement can feel less like freedom and more like the reward for a life of hard work is stress and struggle. Our retirement financial planning services align your pensions, savings, and investments with the life you want to live.

Because Retirement Isn’t The Time For Unanswered Questions

The years before retirement are your chance to shape the life you have been working toward, and your wealth should be working just as hard. Our retirement financial planning service aligns your pensions, investments, and savings with the future you have envisioned, turning accumulated assets into a strategy that supports the lifestyle you want, adapts as life changes, and nurtures the legacy you are growing.

We help you make decisions with purpose, from structuring income and managing tax to protecting what matters most, so every element of your wealth moves in the same direction: toward the retirement you have imagined.

Defining Your Retirement Vision

We start with what matters most to you: the life you want to lead when work is no longer the focus. Whether that means travel, philanthropy, time with family, or new ventures, we turn aspirations into a financial framework that gives your wealth direction and purpose.

Pension Strategy and Optimisation

Multiple pension schemes, varied jurisdictions, and changing rules can make even strong positions inefficient. We review, consolidate, and optimise your arrangements, tailoring advice to your career history, current goals, and structure. Bespoke guidance for the self-employed and those with cross-border assets.

Tax Efficiency and Wealth Protection

Keeping more of what you have built is as important as growing it. We structure withdrawals, transfers, and investments to reduce tax exposure, while protecting against risks such as market volatility, healthcare costs, and inflation. Safeguarding your financial security and the wealth you intend to pass on.

Investment and Wealth Alignment

The right investment approach in retirement protects your lifestyle and preserves your legacy. We align portfolios for stability, steady growth, and inflation protection, incorporate ESG or values-led choices if desired, and manage currency exposure for international lives. Ensuring your assets keep pace with your ambitions.

Income Planning for Life

Your wealth should work for you at every stage of retirement. We design a sustainable income strategy, balancing pensions, investments, and other assets to deliver what you need without eroding capital too quickly, and adapting to changes in markets, tax rules, and your own priorities.

Legacy and Ongoing Review

Retirement planning is never static. We integrate your strategy with estate and inheritance goals, ensuring it reflects your values and supports the people and causes you care about. Through regular reviews, we keep your plan responsive to shifts in law, market conditions, and personal circumstances.

Design The Freedom You’ve Earned

You didn’t work this hard to step into retirement without direction. Without a considered plan, wealth can be eroded by poor timing, tax inefficiencies, and choices made in haste. We’re here to shape those years with purpose, turning what you’ve built into the freedom, security, and fulfilment you’ve earned.

For Those Ready To Live Their Dreams

We work with people who want purpose, structure, and control over how their wealth supports them through retirement.

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

Professionals and executives approaching retirement

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

HNW and UHNW individuals with diverse assets or cross-border interests

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

Entrepreneurs planning a business exit

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

Self-employed clients seeking the best pension options

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

Retirees wanting to optimise income and protect capital

Expert retirement financial planning and pension advice to align your wealth with the life you want, wherever you are in the world

Families aligning retirement income with legacy goals

Your Life. Your Wealth. Your Retirement.

Our retirement financial planning services bring structure, foresight, and purpose to one of life’s most defining chapters.How should your pension plan, retirement savings, and investments work once you step away from work?How do you turn a lifetime of earning into decades of living on your own terms?A retirement plan should not be left to chance.Not to guesswork, not to inefficiencies, not to decisions made under pressure.Wealth can be preserved. Opportunities can be realised.Your future can be shaped exactly as you want it when you put the right strategies in place to protect and grow what you’ve built.As experienced pension financial advisors, we bring every element together from pension advice and tax-efficient income planning to retirement investment strategies and legacy integration so your wealth continues to work as hard for you in retirement as it did in your career.Whether you’re consolidating multiple pension schemes, structuring sustainable income, exploring the best pension for self-employed professionals, or aligning retirement with wider family wealth goals, we’ll design a plan that reflects your ambitions and adapts as life changes.From protecting capital to ensuring you can enjoy the life you’ve imagined, we’re here to make sure your retirement is as rewarding, secure, and enduring as the years it took to achieve.

FAQs

Planning how your pensions, investments, and savings will support you in later life raises questions that generic advice can’t always answer. The right approach depends on your assets, income needs, and the retirement you want to create. We’ve gathered some of the most common questions from clients seeking expert retirement financial planning services.

One of the most common retirement financial planning questions is knowing how much will be enough to support your desired lifestyle. The figure depends on factors like annual spending, travel plans, healthcare costs, and other expenses. A skilled pension advisor will help you calculate your target retirement income and design a pension plan, investments, and tax strategies to ensure you can live the life you’ve worked for without fear of running out of funds.

In retirement planning, the earlier and more consistently you contribute, the more time your money has to grow. There’s no one-size-fits-all amount. A pension financial advisor will consider your age, income, existing pension schemes, and goals to set an optimal contribution level. For high earners, the focus may be on maximising tax reliefs, while for younger savers, the emphasis may be on building momentum toward retirement readiness.

Most private pension schemes can be accessed from age 55 (rising to 57 in 2028), but you don’t have to stop working to take money from your retirement pension. Drawing benefits early can reduce the amount available later, so timing is key. An independent pension advisor will help you determine the most tax-efficient way to start withdrawals, balancing today’s needs with tomorrow’s security.

When you reach retirement, you’ll decide how to turn your retirement savings into income. An annuity offers guaranteed income for life, providing security, while pension drawdown keeps your funds invested, offering flexibility and growth potential, but with more risk. The right option, or a combination of both, will depend on your retirement investment strategy, lifestyle goals, and risk profile.

Many pension schemes allow your remaining funds to be passed to chosen beneficiaries, often outside of your estate for inheritance tax purposes. If you die before age 75, your beneficiaries may receive the pension tax-free; after 75, withdrawals are taxed at their income rate. Comprehensive financial advice for pensioners ensures your pension plan is structured to protect your wealth, minimise tax, and align with your legacy wishes.

Without an employer scheme, self-employed professionals must create their own retirement savings plan. Setting up a pension for self-employed individuals, such as a personal pension or SIPP, allows you to benefit from tax relief and long-term growth. A pension financial advisor can help you choose the best pension for self-employed based on your income patterns, business structure, and long-term objectives.

Over a career, it’s common to accumulate multiple pension schemes. Consolidating them into one plan can simplify management, reduce fees, and give you a clearer picture of your retirement position. However, some older pensions have valuable guarantees or protections worth keeping. An independent pension advisor can review each scheme in detail to determine whether consolidation supports your retirement and financial planning goals without losing important benefits.

The Right Plan Starts Here

We take the time to understand what you want from retirement and how your wealth can make it happen. Together, we’ll shape a strategy that uses your pensions, savings, and investments to support the life you’ve worked for, without unnecessary complexity or pressure.

Forest Wealth