Retirement Financial Planning

Introducing our John Hodge Chartered Financial Planners team.

Planning for your retirement is not always top of the priority list. When you’re younger, it can be tempting to put off planning because retirement seems ages away and if you are contributing to a pension most of us have no idea whether we are saving enough to enjoy the retirement we would like.

Early planning could make a huge difference to when you can retire and the standard of living you can enjoy during your retirement. Our financial experts are authorised and regulated by the Financial Conduct Authority can help you start to plan now so you can enjoy the lifestyle you want in the future.

Our retirement planning services include:

Developing a retirement strategy

Paying into a pension is just the start, understanding how much that pension is likely to provide at retirement is essential to ensure you have enough in the pot to fund the retirement you want. Our team of experts can help to establish the size of retirement fund you require and then build a plan to help you get there, including what contributions and investments you need to make to achieve it.

Maximising pension contributions

Contributing to a pension as early as possible will increase your chances of building a fund sufficient to meet your needs. Even if retirement isn’t far away, there are still ways to increase your retirement income. Our team can help you understand the options available to you and ensure you are using any tax relief available to maximise your pension contributions.

Accessing pension income

Under new rules, anyone aged 55 (age 57 from April 2028) with a defined contribution pension (a pension based on how much is paid in) can access their pension. Our team can review your existing pensions to help you understand when and how to access your pension.

Optimising tax efficiency

A good pension arrangement can be a very tax and cost-efficient way to build up a retirement fund, but pension legislation is very complex. It is important to understand all your options and the rules surrounding pensions in order to avoid the potentially costly mistakes than can result if you do not stick to the rules.

Next Steps: Get in touch

If you need advice on protecting your wealth, contact the team at John Hodge Financial Planners based at our Weston-super-Mare, Clevedon, Yatton, Bridgwater, Bristol and Wedmore offices.

John Hodge Financial Planners is a trading style of Centurion Wealth Management which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales Number 7001057. Registered Office: Channel Court, 8 Hill Road, Clevedon, Bristol, BS21 7NE