Is my pension enough for my retirement?
Our personable experts will work with you to assess how much you think you’ll need for your retirement, and then whether your existing plans are enough to get you there.
We understand circumstances change; you might switch jobs and receive a new work pension, your state pension will be paid out later than you expected, or personal circumstances dictate you might need more retirement income than you thought. The beauty of effective retirement planning is a flexible approach that not only makes the most of your pension saving but allows for strategic changes at any time.
What can Swallow Financial Planning do for me?
We can introduce you to making tax-efficient pension savings and advise on how these should be invested now. We’ll advise on adapting your strategy as you approach your retirement date, to ensure your investments still reflect your attitude to risk.
Recent relaxations in pension law allow you to access your pension early, should you wish to do so, including transferring away from a final salary scheme. While there might be some advantages to this, should you want to access money now, it can have long-term implications and requires the professional advice of our team.