Pensions and Retirement Planning

Once you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle so you need to make sure they're right.

Pensions can be also used as a very effective form of tax planning; reducing your immediate income tax liabilities, achieving tax free growth, providing a tax-free lump sum in the future and potential to pass on their value to the next generation (and beyond) without any inheritance tax being payable.

It's essential that you review your pension situation regularly. We can advise you with taking steps to make it more certain that your pension pot will be able to achieve the income you want when you retire.

We can guide you through key life decisions and advise you on tax-efficiency, making certain that you're saving enough into your pension enabling you to enjoy the retirement you deserve.

Options are varied and can be tailored to your circumstances.




Advice on taking benefits from pension schemes

We are experienced in providing advice on the many options available when taking benefits from pension schemes, including:

  • Pension Fund Withdrawal (Flexible Drawdown)
  • Phased Retirement
  • Pension Lump Sum Investment/Portfolio Planning
  • Capped Drawdown Review
  • Annuity Purchase
  • Impaired Life/Enhanced/Smoker Rate Annuities
  • Investment Linked Annuities
  • Individual Savings Account (ISA) Investment
  • Income Producing Investments

Decisions that are made today can have an impact on your retirement income and lifestyle, so it's important to get the right advice. That's where we can help.




The value of your investment or pension can fall as well as rise and you may not get back the original amount invested.

The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to future change.

The Financial Conduct Authority do not regulate tax planning.




Mortgage Pensions and Investments Limited Liability Partnership is authorised and regulated by the Financial Conduct Authority (https://register.fca.org.uk/).
Financial Services Register No: 454273

Mortgage Pensions and Investments LLP
Registered Address:
88 East Hill, St Austell, Cornwall, PL25 4TR
Registered in England and Wales, No. OC319405

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK
Decisions should not be taken based solely on the content of the website and individual advice should be sought first.
Regulations, levels and bases of taxation are subject to change.