Contact Kirk Rice

Kindly complete the form below to send an enquiry. Your message will be sent to one of our Accountants or Financial Planners who will respond to you within 24 hours.

Request Appointment

Please complete this form to request an initial appointment at our cost.

Retirement Planning

Kirk Rice

Creating a Sustainable Retirement Income

If you’re approaching retirement, you may want to understand how your pension savings and other assets will translate into a reliable income. Retirement planning involves balancing income needs, investment performance, risk, and tax considerations to help ensure your finances support the lifestyle you want in later years.

Kirk Rice provides retirement planning to help you review existing retirement provisions and develop a retirement income strategy that suits your future needs and goals. Our independent pension advisers assess your current arrangements, project realistic income requirements, and recommend planning strategies based on your objectives and attitude to risk.

Retirement planning usually involves:

Reviewing your existing pension and retirement arrangements
Projecting retirement income requirements using cashflow modelling
Considering pension transfer options where appropriate
Assessing retirement income options such as drawdown or annuities

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

Our pension advisers are not tied to the products of a particular provider

Kirk Rice acts independently, which means we can consider any product in the marketplace. This means you get access to the best products available. Our pensions advisers are also pension transfer specialists which means they can advise on the suitability of transferring final salary pension schemes.

The retirement products we will consider are:

Flexi-access drawdown
Flexi-access drawdown with an income guarantee
Traditional annuities
Short-term and fixed-term annuities
With-profits and asset backed annuities

We also have our own on-site tax specialists. So we will monitor and take advantage of any additional tax allowances for you. This enables you to take advantage of carrying forward unused allowances, to save yourself paying unnecessary taxes.

How often do your pension assets get reviewed?

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.

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.

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 planning meeting

You receive a no cost, no obligation meeting with one of our qualified pensions advisers who are also pension transfer specialists.

They will discuss your circumstances and income objectives, as well as your attitude towards risk. Everybody’s circumstances differ and this way we can talk about maximising a sustainable retirement income and provide a personalised service.

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