Pension and retirement planning

Thinking about the future

Whether you want guidance on how best to save for your future retirement or you’re approaching retirement in the next few years and you’d like help on how to access your pension pots, we can help.

Middle and higher income earners could also be affected by the changes to the lifetime allowance limit and the reduction in the annual allowance. But it’s unlikely you’ll know if you will be impacted unless you seek expert financial advice. Read this e-book to see if you could be impacted and then contact us for your no-obligation meeting at no cost to you.

The introduction of pension freedoms means we have all got a lot more choice about how we access our money when we retire. But it also means a lot of added pressure. The decisions you make today could make a real difference to how you live in retirement. So you can see why you need to take some time and think about it.

But don’t worry about taking on the burden yourself. Our specialist financial advisers can chat about your options, helping you to make the right choices for the lifestyle you’re aiming for in retirement.

So whether your retirement is a long way off or just around the corner, discuss your options with us today on 0330 332 7140* and arrange an initial meeting at no cost to you to see how we can help with your retirement planning.

How we can help

  • Guidance and advice on how best to fund your retirement to deliver your retirement ambitions
  • Up-to-date advice on how best to access your funds at retirement in light of the pension reforms
  • Lifetime cash-flow modelling to help make sure you never run out of money in retirement

*Calls are charged at your standard landline rate.

ClearSky Financial Services is a trading name of Foster Denovo Limited which is authorised and regulated by the Financial Conduct Authority. You can check this by visiting the Financial Conduct Authority’s website http://www.fca.org.uk/ registered number 462728.

The value of your investment can go down as well as up and you may not get back the full amount invested.

The Financial Conduct Authority does not regulate taxation and trust advice.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice which will depend on the amount you are looking to borrow, your requirements and circumstances. We typically charge £495 for analysis, research and recommendation of a mortgage and £495 for implementation. We will offset any commission we receive from the lender against these fees.

The Financial Conduct Authority does not regulate some aspects of buy-to-let mortgages.

Foster Denovo Limited is registered in England and Wales Reg No. 05970987. Registered Office: Ruxley House, 2 Hamm Moor Lane, Addlestone, Surrey, KT15 2SA

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.