We provide independent pension advice to help you build retirement savings, consolidate existing arrangements where appropriate and plan how to take your benefits. We ensure your pensions are suitably invested and coordinated with your wider finances to support your retirement.
We provide independent advice throughout the different stages of pension planning, from building retirement savings to deciding how and when to take an income. Our recommendations consider your objectives, existing pensions, tax position, investment approach and wider financial circumstances.
We review your existing pensions, their investments, charges and features, and advise on suitable contribution levels and investment strategies. Where you have several pensions, consolidating them may make them easier to manage and provide a more coherent investment approach.
Consolidation is not always appropriate. We consider whether any existing plans include guarantees, protected benefits, valuable features or exit charges before recommending a transfer.
Retirement planning begins with understanding when you would like to retire, the income you may need and how this could change over time. We consider your essential and discretionary spending, planned capital expenditure and the financial provision you may wish to leave for others.
We then assess how pensions can be coordinated with savings, investments, State Pension and other sources of income to provide a suitable and tax-efficient retirement strategy.
Pension benefits can usually be taken through drawdown, an annuity or a combination of the two. Each option offers a different balance between flexibility, income security, investment risk and provision for beneficiaries.
We explain the available options and recommend an approach suited to your income requirements, tax position, capacity for loss and need for flexibility.
Cashflow modelling can help assess whether your pensions and other assets are likely to support your planned expenditure throughout retirement. It allows us to consider the effects of investment returns, inflation, withdrawals, major expenses and changes in circumstances.
The results are not a guarantee, but they can help identify potential shortfalls, compare different options and establish a sustainable approach to retirement income.
Retirement plans need to adapt as investments, spending needs, personal circumstances and legislation change. Our ongoing reviews consider investment performance, withdrawal levels, cash reserves, tax planning and whether your arrangements remain suitable.
Where changes are needed, we explain the available options and recommend appropriate adjustments.
Financial products can provide valuable benefits, but they also involve risks. We explain the risks relevant to any recommendation before you decide whether to proceed. The following general points apply to the services described our website.
Oliver Financial Planning
98 Bay Tree Rd, Bath BA1 6NF, UK
Oliver Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Financial services reference number: 963900.
Our company number is: 13205258. Registered office address: 30 Circus Mews, Bath, BA1 2PW.
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