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Paul’s Retirement Issue

Over the course of his career, Paul had acquired several pensions and investments, in addition to income generated from his business, he wanted to know how to structure them in preparation for his future retirement. He wanted to build in flexibility allowing him to draw upon his pension, yet was unsure how he could achieve this.

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Our Approach

We initially analysed the value of his multiple assets so we could recommend some possible options for his retirement plan. One of our suggestions included utilising his wife's tax allowance by directing some of this future pension contributions towards her for tax efficiency. We also recommended that he consolidated his pensions into a drawdown facility since this would provide him with the flexibility to take his pension income from age 55, if required.  This would also allow him to draw as much income as he chose at his own discretion.



Following our advice, Paul is now clear about what he needs to do today and over the next few years. We will continue to work with Paul to constantly review this plan on an ongoing basis, should his needs change over the course of his life.

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41 North View,

Westbury Park,

Bristol BS6 7PY

0117 907 1965