Retirement planning

Thinking about the future is something we all do all the time, whether we realise it or not. But how much time do we spend actually planning for it? It’s no great secret that the vast majority of people start thinking about their retirement when they are almost upon it.

Sure, many of us talk about pension schemes and setting some money aside for the grandchildren, but how do you know there aren’t some better options around? Maybe you could be maximising your retirement income more effectively, or indeed making savings now to increase your funds for later in life?

Like most important events or journeys, preparing for your retirement after a lifetime of working will require a careful plan. There are various income options available often with very different tax implications. And we just don’t mean financially. There are practical and emotional issues to consider too.