In – Retirement: Greater freedom

You may need help to think through?

• keeping the plan fit for purpose applying any flexibility you need around your income needs
• incorporating your state pension
• drawing income from your pension pot tax efficiently
• ensuring your money doesn’t run out throughout retirement
• planning for any future expenditure
• thinking about when to delegate financial control
• planning funeral expenses
• making plans to pass on wealth tax efficiently

In – Retirement: Slowdown

You may need help to think through?

• reviewing your income and ensuring it still won’t run out
• drawing your income tax efficiently from your remaining pension pot
• finalising any estate planning to ensure it is tax efficient
• making allowance for potential care costs
• planning for later life by thinking about who you might delegate financial decision making too on your behalf

In – Retirement: Later life

You may need help to think through?

• ensuring any increased income needs can be met from your savings
• finalising and implementing any planning choices around care
• seeing the positive impact of legacy and estate planning by passing wealth on to your family if appropriate
• potentially releasing further income from your home to fund care costs.