How to plan for your retirement.

Since April 2015 pension members are able to access their pension with a lot more choice. However pension scammers are continually looking for ways to target individuals and their pension savings - if an investment is offering significant returns or early access to your pension funds, these could be a scam. We actively encourage our clients to discuss investment proposals with us.

The most popular options for saving for your retirement currently include:


Personal pension or Stakeholder pension.
Personal pensions work on a money purchase basis, in other words the money you save each month or through a lump sum is invested and used at retirement to provide you with benefits.


Self Invested Personal Pension (SIPP).
These are a form of personal pensions which give you much greater investment freedom over your pension funds, along with more flexible options on how to take benefits at retirement. 
Small Self Administered Scheme (SSAS).
This is an occupational pension scheme for small companies – please refer to our Business area, Planning for retirement for more information.

We will discuss these options with you to ensure you have the most appropriate pension vehicle to suit your individual needs. Contributions you make will usually benefit from tax relief and the funds will grow in a tax free environment. When you are ready to retire – for most people from age 55 at the earliest – the fund is used to provide you with pension benefits. 

You should not rely on State Benefits alone providing you with the lifestyle you require during your retirement years.
Lifetime Allowance (LTA).
When your benefits come into payment they will be tested against a ceiling known as the Lifetime allowance (LTA). The LTA for tax year 2021/22 is £1,073,000 and is frozen at this level until 2026. Various changes to the LTA have resulted in protection being introduced to prevent indivduals with previously accumulated pension savings under existing regimes being disadvantaged should their funds exceed changes in the LTA.

Please contact us to discuss the various protection options. 
Options when you come to take benefits.  
If you have 12 months or less before you retire, we would recommend that you carefully consider your options. Your pension fund will be used to provide you with an income for your retirement years and may also include a tax free cash lump sum.
Annuity purchase.
For clients that don’t require responsibility for investment risk of their funds an annuity provides a set level of income which can remain level or increase, or with additional spouse benefits. Once purchased the terms cannot be altered so it is vital that you make the right choices at outset. It is no longer a requirement to purchase an annuity from an insurance company.

Drawdown including Flexi-access drawdown.
This allows you to choose the income your want in retirement with no maximum limit, subject to certain qualifying criteria. You now have the choice to take your funds as an income for life or to 'flexibly access' as much as you want when you want. The amount of tax you will pay will depend on how you draw your pension funds and on your own personal circumstances.  

Our credentials.

We’ve been building clearer futures since 2000 and have now grown to manage £270 million for over 800 clients. We guarantee a highly professional and bespoke approach. One that’s built upon competence and trust in a highly regulated industry.


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In addition to being short-listed for Professional Adviser Awards 'Best Adviser - South East' in 2017, 2015 and 2014 from over 200 entries, we have also been shortlisted for "The Mortgage Awards 2019 - specialist broker of the year".

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