FCA Regulated · UK Independent Advisers
Pension Advice
- Secure Your Financial Future
Planning for retirement is one of the most important financial decisions you will make. Whether you are building your pension savings or nearing retirement and exploring your options, having the right pension strategy in place can ensure financial security and peace of mind.
Pension Planning
Why Pension Planning Matters
A well-structured pension plan ensures that you can:
- Retire comfortably and maintain your standard of living after you stop working
- Maximise tax efficiency with tax relief on contributions and structured withdrawals
- Protect your family by ensuring financial security for loved ones
- Avoid running out of money by planning strategically so your savings last throughout retirement
With increasing life expectancy, many people will spend 20 to 30 years in retirement. That is why early planning and ongoing reviews are crucial.
Understanding Pension Planning – Two Key Stages
1
Accumulation – Building Your Pension Savings
During your working years, the focus is on growing your pension through:
- Workplace pensions and auto-enrolment
- Personal pensions and self-invested pension plans (SIPPs)
- State Pension entitlements
- Tax-efficient savings strategies
For a detailed breakdown, visit our Funding Your Pension page.
2
Decumulation – Taking Retirement Income
Once you reach retirement, the focus shifts to how you withdraw your pension in the most tax-efficient way. This includes:
- Annuities, which provide a guaranteed income for life
- Pension drawdown, allowing flexible withdrawals while keeping your money invested
- Lump sums, offering tax-free cash and structured withdrawals
For more information on these options, visit our Options at Retirement page.
These two stages are closely linked. The way you build your pension now affects the options available in retirement, which is why planning ahead is crucial.
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There's no obligation and no cost to your initial consultation. Simply fill in the form and one of our advisers will be in touch, usually within one working day.
Why Choose Mather & Murray Financial for Pension Advice?
Independent Advice
Independent, whole-of-market advice to find the best pension solutions for you
Pension specialists
Expert guidance from qualified pension specialists
Expert Guidance
Tailored retirement planning based on your goals and circumstances
Personalised Solutions
Nationwide coverage with in-person and virtual appointments
We're here for you
Ongoing support and annual pension reviews
Common Pension Questions You Need to Consider
- When do I want to retire?
- How much income will I need in retirement?
- Am I on track to achieve my retirement goals?
- Do I need to adjust my contributions or investments?
- How can I make my pension withdrawals as tax-efficient as possible?
- What happens to my pension when I die?
If you are unsure about any of the above, our independent pension advisers can help.
Book a free consultation today to discuss your pension options.
Your investments can go down as well as up. You may not get back the amount you invested.
