Retirement Planning and Pensions

Get expert guidance on retirement planning and pensions to help you build a stable, worry-free future.

Planning for retirement is one of the most important financial decisions you’ll make. I offer a comprehensive review of your current retirement plans and future goals, helping you build a clear strategy for financial security in later life. This includes evaluating your existing pension arrangements, assessing whether your current contributions are sufficient, and identifying any gaps in your planning.

I’ll work with you to ensure your investment choices align with your retirement objectives, risk tolerance, and time horizon. Regular reviews will be conducted to track performance, manage costs, and make necessary adjustments as your circumstances or market conditions change. Whether you’re just starting out or approaching retirement, I can help you make informed decisions to ensure a comfortable and sustainable retirement.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested. Transferring out of a final salary pension is unlikely to be in the best interest of most people.

Want to know more?

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Frequently Asked Questions

What is retirement planning?

Retirement planning is the process of setting financial goals and making investments or savings strategies to ensure a secure and comfortable life after you stop working. It includes estimating your future expenses, income sources, and creating a plan to bridge any gaps.

Why is retirement planning important?

Proper retirement planning ensures you have enough income to maintain your lifestyle, cover healthcare costs, and enjoy peace of mind in your later years—without relying heavily on others.

When should I start planning for retirement?

The earlier, the better. Starting in your 20s or 30s gives your savings more time to grow through compound interest. However, it’s never too late—taking action in your 40s, 50s, or even 60s can still make a significant difference.

How much money do I need to retire?

This depends on factors like your current lifestyle, expected retirement age, life expectancy, and health. A common rule of thumb is to aim for 70–80% of your pre-retirement income annually. Many experts recommend saving at least 10–15% of your income starting early in your career.

What is a pension plan?

A pension plan is a way to save for retirement, with contributions from you, your employer, and tax relief from the government. In the UK, the main types are:
Workplace Pension: Set up by your employer.
Defined Benefit – Pays a guaranteed income based on salary and years of service.
Defined Contribution – Builds a pot based on contributions and investment performance.
Personal Pension: Set up by you, often used by the self-employed or for extra savings.
State Pension: Paid by the government based on your National Insurance record.
Most people rely on a mix of these to fund their retirement.

With our years of experience we can help guide you each step of the way. Learning with you what is best and how we can grow what is meant for you.

Briggs Financial Advice is a Trading Style of Rosemount Financial Solutions (IFA) Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Entered on the FCA Register (https://register.fca.org.uk/) under reference 535515.

Registered as a Limited Company in England & Wales No 05668905. Registered Address: Rosemount House, 2-4 Chequers Road, Basingstoke, RG21 7PU. The information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.