It’s never too early to plan for your future

Building your personal retirement plan

Our financial planners can help guide you to the retirement you want, giving you confidence about the lifestyle you can maintain and how you can realise your life goals - whatever they may be.

We’ll cover everything from tax efficiency and pension reviews, through to cashflow analysis that forecasts your income and expenditure over time. Our retirement planning service gives you a flexible blueprint for your future.

Ask us for a call back or to book a free initial consultation today.

See how Retirement Planning could benefit you

Our expert financial advisers can help you plan your ideal retirement. Please get in touch to discuss for an initial complimentary consultation today.

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If you need immediate assistance, please don't hesitate to call our Helpdesk at 0800 151 3355. We're available Monday to Friday, from 8am to 6pm (excluding bank holidays), and we're here to help with any questions or issues you may have.

If you're interested in registering for MyRathbones, please reach out to your investment manager directly. For more information on MyRathbones, you can visit our website here.

If you are an existing client, please contact your investment manager directly to address your query or visit ⁠our people page.

Pension planning

The rules around how much you can save in your pension, how it’s taxed and what happens to it once you pass away can change often. Getting regular, expert advice from our specialist retirement planners helps you navigate the latest twists and turns, setting you on the right road for your personal circumstances.

Income drawdown

Instead of using your pension pot to buy an annuity paying a regular income for your retirement, a flexible option for retirement is keeping your pension pot invested and drawing it down over time. Done carefully, this can provide an income to live on while retaining the chance that you will have pension savings left over when you die to pass on to your loved ones.

Self-Invested Personal Pensions (SIPPs)

A SIPP offers you the personalisation and flexibility you might need in your retirement planning. It has the tax advantages of a standard pension plan while offering a far wider scope of investment.

Let us answer your initial questions

Frequently asked questions

How much money will I need for my retirement plan?

Your retirement plans are as individual as you are. The amount you will need effectively depends on your chosen lifestyle, your age now and at retirement and your life expectancy. As we are all living longer and healthier lives, you’ll want to ensure you have sufficient wealth to fund a comfortable and enjoyable retirement.

Our experienced retirement planners can review your current savings and investments, model your likely expenditure and let you know if you are on track to achieve the retirement that you desire.

Should I prioritise saving into a pension or an ISA?

Should I consolidate my pensions?

Many people have several different pensions, especially if they have changed jobs several times during their careers. There can be definite advantages to bringing all your pensions together in one place, such as ease of management and fewer charges. However, that’s not always the case, as some pension transfers can incur penalties and there may be a risk of undermining guarantees.

If you have multiple pensions, we can offer advice on how best to manage them to ensure that you get the maximum benefit in the context of your wider financial situation.

What is the best way to benefit from my pension?

Annuities, flexible income drawdown, defined contribution schemes; pensions are so complex it’s no wonder so many of us struggle to make sense of the schemes and strategies available. And no one solution is right for everyone.

For our retirement planners though, understanding the ever-changing complexities around pensions is a foundational aspect to providing proper and informed retirement planning advice to our clients. We’ll use our knowledge and experience to guide you through such challenges and help you select the best option for you and your family.

How can I find an office near me?

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Tax Planning

Are you making the most of all your tax reliefs and allowances so you can pay less tax and help keep more of your wealth? Learn more about how we can help you.

Improve your tax efficiency today

A personalised investment service

Whether you want to fund a life goal or simply achieve financial peace of mind, our investment experts can help. Discover how we can help you grow your wealth, preserve it, or use it to give you an income you can depend on.

Explore your investment potential

It’s never too early to plan for your future

Building your personal retirement plan