Retirement Planning

A comfortable retirement is a dream for many people

Most of us appreciate the need to plan for our retirement and many contribute to pension plans. Legislation has changed significantly since 2006, most recently allowing flexible access to pensions for the over 55’s and making pensions mandatory for employees, the staging dates for which have now been reached. In turn, this makes it more judicious for individuals to seek professional advice.

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If this seems overly complicated, Crystal Wealth advisers are more than happy to explain the rules and options to you, and it won’t cost you a penny.

Pre-retirement we will help you plan for growth. Post-retirement we’ll concentrate on making your pension last as long as you do! This means we may need to adjust risks in the run-up to retirement and review risks afterwards. You’re in control all the way, with us to guide you.

Crystal Wealth’s retirement planning process

Step 1

Discuss your personal needs and aspirations

Step 2

Identify your objectives and develop achievable goals

Step 3

Establish your attitude to risk

Step 4

Develop a plan

Step 5

Implement the agreed strategy

Step 6

Monitor, refine, adapt

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.