Pensions & Retirement Options

It’s no exaggeration to say that there’s never been a greater need for high-quality, impartial, pension advice. Recent policy and regulatory changes to pensions and savings mean that many more individuals face complex choices often shrouded in jargon that seem utterly confusing.

Planning for retirement is what most people put off thinking about until they see retirement on the horizon, by which time it can be too late to build a comfortable future. The reality is the sooner you start funding for your financial future, the higher your retirement income is likely to be.

Using figures provided by Legal & General, a 25 year old contributing £150 per month could have an income at age 65 that is more than double that of a 40 year old funding the same amount to age 65.

The Government will help in retirement, although with a flat rate State Pension of £140 per a week / £606 per month most people will need private funding to help provide a more comfortable income in retirement.

Retirement Options is deciding how to utilise your accumulated pension fund when you reach retirement. Retiring means different things to different people. It could be stopping work all together, working part-time or changing jobs. The current pension rules allow for flexible retirement options to meet the needs of the retiring population.

At retirement you are faced with making big decisions that affects your future retirement. It may seem like a daunting prospect, although Inspire Financial Planning can help guide you through the options to find the most suitable solution to meet your needs.

We will discuss your options and ask many questions to ascertain how your retirement income should be structured:

  • Do you require your entire tax free sum at retirement?
  • Do you want a guaranteed income for life?
  • Do you want to provide for a spouse?
  • Are you fit and healthy?
  • Can you afford your income to fluctuate?
  • Do you have other non-pension assets?
  • What is your tolerance for risk?

Some of the decisions that are made cannot be changed. It is vital that independent advice at retirement is always sought.

Planning for Retirement is a requirement and not a luxury and as our testimonials show, Inspire Financial Planning has a history of helping people make sound financial decisions regarding their Retirement Planning and Retirement Options. With our thorough knowledge and experience of the pensions market, we are well placed to offer impartial financial advice to meet your needs.

Call us today to arrange a free initial consultation, to find out what we can do to help you enjoy a comfortable retirement.


Pensions are a long term investment. You may get back less than you put in. Pensions can be and are subject to tax and regulatory change therefore the tax treatment of pension benefits can and may change in the future.



Pricing Information

Our charges will, of course, vary depending on the complexity of your individual requirements. However, we’ll always be clear with you about the amount and method of payment. You can ask for an estimate or set a ceiling on our fees in advance. Not all advice results in buying a financial product, and in this instance we will charge you a fee for our time. If, however, a suitable financial product is purchased, we may receive a commission paid from the provider’s charges. This reduces the amount available for investment, but we will always advise you of this before you make the purchase. Our business model is not dependent on commission and as such we can offer clients unbiased advice on products.