At Forbes Wealth Management we believe everyone needs ongoing professional advice on their pension, both before and after they retire. Our experienced Personal Wealth Planners hold the highest levels of qualification and provide expert, independent and highly personal advice and create a flexible retirement plan that takes full advantage of all available tax efficiencies and savings.

To ensure your plans stay on track we will build and maintain a long-standing relationship with you, reviewing your retirement plan regularly to make sure it is still working as you wish.

As our planners are not tied to any particular provider or product (not even our own), they can give you truly impartial advice on a broad range of solutions and choose only the best options for your unique needs.

Why Choose Our Retirement And Pension Planning Services?

Importantly, we don’t simply look at your pension. Our independent, fee-based advisory service starts with a strategic review of all your personal financial arrangements, to see how they can best be structured to support your retirement. We will also make sure everything is done in the right order, as some decisions can impact other areas of your wealth planning.

This could include:

• Cash flow modelling – Looking at your current wealth along with your income and trying out different scenarios to see how they might work to fund your retirement

• Pension pot review - Looking through all your current pensions to check they are still fit for purpose and are being properly managed

• Future income options - navigating the complexities of pension regulation and ‘freedoms’ to ensure you make the right choices for your future prosperity

• Retirement funds outside your pension - advice on creating income streams outside of your pension for maximum flexibility and tax efficiency

• Tax allowances - making the most of all the allowances available to you, to maximise tax efficiency

• Passing on wealth – advice on succession and estate planning as your decisions could affect the inheritance tax payable on your estate.

If you have funds invested through our investment management service, your investments are in expert hands, with a strategy built around your individual needs. We will take this into consideration when advising you.