Pensions & Retirement Planning

Planning for your retirement is one of the most important aspects of your financial life

Time to review your pension?

Regular reviews help to ensure their suitability and affordability.

Greater Freedom

We can help with keeping the plan fit for purpose applying any flexibility you need around your income needs

Choices and Decisions

You may go part-time and take some income from your pension or stop working completely

Pensions & Retirement Planning

Planning for your retirement is one of the most important aspects of your financial life.

At Resolute Financial Advisers, we pride ourselves in assisting our clients all the way through this journey from setting up their first pension, through to making sure that at retirement, you have the most tax efficient and bespoke retirement plan to suit the lifestyle you are looking for. We also provide independent advice on existing pension schemes to make sure that you have the most cost effective and risk appropriate scheme at all times.

We also assist Employers who are looking to set up and manage company pension schemes. We can provide advice on the best way to go about this in the most tax efficient and cost effective way possible.

Taxation depends on individual circumstances as well as tax law and HMRC practice which can change.

Where are you now?

Explore each stage to see where you are in your retirement journey

Pre-Retirement

Pensions & Retirement Stages - Pre-Retirement - Some Way Off

You are likely to be over 50 and/or have between 10 – 15 years still to go until your selected retirement date (SRD) or the age when you can draw your state pension.

Pensions & Retirement Stages - Pre-Retirement - Nearly There

You have around 5 years until your selected retirement date (SRD) and are much more interested in your retirement options.

At-Retirement

Pensions & Retirement Stages - At-Retirement - Choices and Decisions

You are now in the process of retiring. You are less likely than in the past to stop working at a set date. You may go part-time and take some income from your pension pot; stop working completely and draw your income from your pension pot or you might leave your pension pot intact and continue longer through choice or need.

In-Retirement

Pensions & Retirement Stages - In-Retirement - Greater Freedom

You are probably fully retired now and receiving your state pension as well as generating income from your pension savings.

Pensions & Retirement Stages - In-Retirement - Slowdown

Now you may be slowing down for a variety of different reasons from health issues to having done all the things you wanted to do. You may be spending more time at home and have less need for income.

Pensions & Retirement Stages - In-Retirement - Later Life

You may have more health issues; are more dependent on others and may have more need for advice if you are feeling less confident about making decisions about your finances.

What our clients say

"I recently engaged Resolute Financial Advisers' services for a review of my personal pension. Over a couple of meetings Stuart Alexander assessed my current circumstances and we discussed my requirements with regards to retiring.
Stuart is very easy to talk to and patient, taking time to explain what was involved in the whole process. In only a couple of weeks my new pension plan was in place and I have the peace of mind that we will meet regularly for reviews."

Ms Sutherland - Glasgow

Pension Review

"I have dealt with Kevin one of the partners in this business over the last 10 years. I have always felt that the financial advice given was honest and impartial, and relevant to my needs. Highly recommended."

Andrew - Ayr, Ayrshire

Financial Advice

"The Advice and knowledge you provide makes us feel secure with our investments and would recommend your company to other investors. When we win the lotto your company will be hired as financial consultants!!!"

Mr O’Neill - Greenock

Investment Advice

"I had income protection for 7 years with another company. I was made to believe that if I was unable to work due to illness or injury I would be covered for the long term, in fact I would only have been covered for a year. Stuart has set up a new policy that will cover me until retirement, which is exactly what I was looking for. Stuart’s service has been excellent, he came to my house to see me and has been fast and efficient in getting the new policy set up. It is so much better dealing face to face, rather than with a call centre."

Mr Paton - Saltcoats, Ayrshire

Protection Advice
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Resolute Financial Advisers is a Limited Liability Partnership, Registered in Scotland, No: SO304424. Partners are Stuart Alexander and Kevin Orr. Registered Office: 10 Sullivan Way, Cumnock, KA18 1UH.

Resolute Financial Advisers LLP is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under reference 708063.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.