Retirement planning

As a customer of Lloyd & Whyte Heritage, you can access Independent Financial Advice on pensions and retirement planning through our sister company Lloyd & Whyte (Financial Services) Ltd.

With their expert team, they can guide you through recent changes to pension rules. The changes mean that as a customer over the age of 55, you can now enjoy complete freedom and control over your pension fund.

Flexible pensions – what you need to know

Although the new rules bring you more choice, it’s important to understand there are a number of decisions that you’ll need to make to enable you to meet your financial objectives.

Seek advice to maximise your opportunities

It may be tempting to dive straight into your pension pot but planning is key to avoiding potential pension pitfalls, or worst case scenario, running out of money. Seeking advice will be crucial to maximising the opportunity that the new rules offer you.

Watch this video

This short video will help you understand what pension freedom is about and what it could mean for you.

Good quality independent financial advice will help you:

  • Gain a clear understanding of the new rules
  • Assess and review your assets and income streams
  • Explore and identify your objectives from 55 and throughout retirement
  • Explore how you can use your assets in the most effective and efficient manner
  • Understand the income and inheritance tax implications
  • Review your situation as your retirement unfolds

Learn more about pension freedom

To help you make more informed decisions about your pension, download this free pension freedom factsheet.

Any more questions?

Lloyd & Whyte (Financial Services) Ltd are here to help you with your retirement plans. If you would like to speak to a member of our team and arrange an appointment with your local adviser, please call 01823 250750.

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