So now you have reached the age you are thinking of retiring or part retiring.

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What are the best ways of making sure your income is what it needs to be

over the rest of your lifetime?

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This question has numerous answers especially as we now have the new

flexibilities that pensions offer.

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Pensions are the primary source of income in retirement and we have many year's experience in helping people decide whether drawdown, annuities, phased drawdown, so called "third way" products and  the new "Uncrystallised Pension Commencement Lump Sum" system would be most appropriate.

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All of these systems are complex and unless you are well versed in their operation it is easy to fall foul of terminology, unexpected risks, pension company bureaucracy and the potential loss of money.

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We try to help you through this minefield and when requested we will continue to review your circumstances on a regular basis to ensure the plan originally put in place continues to work.

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Pensions are not the only source of income however so we take a more holistic view of your financial position. This means we may look to use alternative investments to achieve your aims in addition to the pension pot you have accumulated over your working life.

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In other words we are here to help make the most out of your retirement whilst making sure your long term financial wellbeing is as secure as possible.