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Pre-Retirement and Pensions Planning

Kirk Rice

How Kirk Rice can help you plan for retirement

Those approaching retirement often want to understand whether their current pension arrangements will support the lifestyle they hope to achieve. Planning for retirement involves balancing income needs, investment performance, risk, and tax considerations. Periodically reviewing these factors can help you prepare for the years ahead and stay on track.

Our independent pension specialists assess your current arrangements, project potential retirement income requirements, and recommend planning strategies based on your objectives and attitude to risk.

Some of our key pre-retirement and pensions planning services include:

Reviewing existing pensions
Considering pension transfer options
Projecting retirement income needs
Aligning investments with your retirement objectives

If you’d like support with pre-retirement and pensions planning, contact info@kirkrice.co.uk

Our Independent Pension Specialists Can Tailor Retirement Planning Products to You

Our pension specialists are not tied to the products of a particular provider. Kirk Rice acts independently, which means we can consider any product in the marketplace, and you get access to the best products available. With the help of a dedicated in-house paraplanner we carry out extensive research to find the most suitable products and providers on your behalf. The retirement products we will consider are:

Personal/stakeholder pensions
WRAP or Platform provider pensions
Self-invested personal pensions (SIPP)
Small self-administered schemes (SSAS)
Qualifying recognised overseas pension schemes

In addition, retirement planning can make use of non-pension investments such as ISAs.

We also have our own onsite tax specialists. So, we will monitor and take advantage of any tax allowances for you. This enables you to make use of the ability to carry forward unused allowances, for example – all with the view of saving you from paying too much tax.

We will also oversee the implementation of any new investments put in place, keeping you informed throughout the process.

How often do your pension assets get reviewed?

This depends on your requirements, the recommended products and investment portfolio. Many clients favour our Model Portfolios as an investment solution (if suitable to circumstances). The Kirk Rice Model Portfolios are run by Collidr Asset Management (our chosen Discretionary Fund Manager), and together we hold regular joint Investment Committee meetings where portfolio adjustments may be agreed and implemented on your behalf.

Retirement planning is not something you do once – it’s an ongoing thing. So, we can extend our service to include regular reviews. The frequency of reviews will be agreed with you, usually on an annual basis. These can be tailored to your requirements – and provides you with the chance to discuss your portfolio face to face and to review your objectives and progress to date.

Book a free discovery call

Book a free initial call with one of our team to discuss your requirements.

Book a discovery call

If you have any questions, please get in touch

A no-obligation retirement and pensions planning meeting

We offer a no cost, no obligation meeting with one of our highly qualified pensions specialists. They will discuss your circumstances and objectives, as well as your attitude towards risk. As everybody’s circumstances differ, this meeting gives you the opportunity to see how we can help you hit your retirement goals.

Get in touch with us today at info@kirkrice.co.uk

Book a free discovery call