Retirement Planning

Retirement Planning

Services

Retirement Planning

The perfect pension plan is different for everyone, as it depends on a wide number of varying factors.

But, the initial question to inform an effective plan is always the same…What kind of lifestyle do you want when you retire?

At Clear Financial Advice, we’ve over 40 years combined experience in pension and retirement planning.  By taking a considered, and logical approach we’re able to advise clients on how best to navigate the complex taxation and investment landscape. And, most importantly, to propose individual recommendations that produce the best possible income when our clients decide to retire.

We provide objective advice on the following products:

Personal

  •     Personal Pension Plans
  •     Stakeholder Pensions
  •     Self-Invested Personal Pensions (SIPPs)
  • Trustee Investment Plans (TIPs)
  •     Annuities
  •     Enhanced Annuities
  •     Temporary Annuities or Fixed Term Annuities
  •     Unsecured Income (formally known as Income Drawdown)
  •     “Third-Way” Products

Business

  • Small Self-Administered Schemes (SSAS)
  • Group / Corporate Pensions
  • Auto-Enrolled Pensions

Discover more about our business financial advisory service

How do the new rules affect your pension pot?

The Government’s new pension rules mean that you now have several choices when it comes to what you can do with your pension.  This includes, releasing funds, receiving a guaranteed income, passing funds down through generations or a mixture of options.  What you may not realise, is that not all pensions allow you to take full advantage of these new rules.

We can help you find a pension that’s truly fit for purpose.

Book a free appointment

The Financial Conduct Authority does not regulate taxation advice.

Feedback from our clients

Paul provided impartial, honest and considered advice after listening and considering my needs. His advice proved to be accurate, but most importantly he responded when he said he would and did what he said he would do! This is a basic thing – but not often carried out! I would have no hesitation in recommending Paul in the future.

Stewart

When, like me, your investment knowledge is limited the first things you want from an IFA is someone whose honesty, experience and advice you feel you can trust. If after that you get to like them as a person who shares similar values with you, as I have and do, then the association should prove to be fruitful. I recommended Paul to both my sons when they needed mortgage advice and would not hesitate to recommend him to others.

Bernard

Paul is very easy to talk to,most helpful and always ready to explain fully and queries. I have always been more than pleaseed with his service to me.

Edith

Paul has proved to be approachable, responsive and willing to go the extra mile. These are difficult times to find a decent return on savings and investments and my final judgement of Paul will be based on the return we receive over a period of 3 to 5 years. From my dealings with Paul I have formed a positive view of his ability and I would be happy to recommend him to others. His patience and tolerance of my many uninformed questions has been greatly appreciated.

Don

Paul has been our financial adviser for many years and has helped us with general investments and pension provision. We have always found him to be approachable, trustworthy and reliable. He understands our attitude to risk and our need to be cautious investors and has explained thoroughly and in simple terms any possible changes that might affect us. He keeps us regularly updated with our investments and is always available to give us advice on any other financial problems which may occur. We would not hesitate to recommend him to others.

Eddy

Paul was recommended to me by a colleague, i am always very guarded when speaking with professional finance people but Paul was very different from the usual, he was extremely helpful, he listened to my needs and offered me lots of different options, he explained everything very thoroughly and always conducted himself very professionally.I trusted him 100% with my financial needs and his advice has put me in a very comfortable position.I have since recommended him to other members of my family and a lot of my friends/business colleagues.I would thoroughly recommend him for all your financial planning needs.

Patrick O’Callaghan
Review from Verified ClientVouchedfor - Verified Client