Pensions Advice & Planning Services

Whether your priority is to grow your wealth over time, generate a more regular income, or balance the two, we can help you build an investment approach that fits your objectives and your attitude to risk. We will look at your wider financial position, then recommend a strategy designed to support the lifestyle you want now and in the future.

If you are investing gradually rather than as a single lump sum, we can advise on regular premium investment and how it can form part of a longer-term plan. This can be particularly helpful where you want a disciplined approach to building wealth, or where you are contributing alongside pension saving.

At Cullimore Dutton, we can support you with strategic pension planning, based on a close assessment of your needs and your goals for retirement.

We have extensive experience helping clients to access the best pension plan for their circumstances. Our team understand that dealing with financial matters such as these can sometimes feel a little overwhelming, so we will always make the necessary stages and tasks as easy as possible.

Our expert pension advisors can help with pension planning in many ways, including:

• Supporting you to evaluate and determine your retirement goals
• Helping you to review your current pension arrangements, including any personal and/or workplace and state pensions
• Assisting you with an investment strategy that works for you, including portfolio recommendations and support
• Supporting you to ensure that your pension plans are optimised for tax efficiency
• Helping you to plan how to access your pension during retirement and advising you on the implications of taking your pension and/or a portion of your pension at different times
• Advising you on various ways to access your pension, including fixed-term annuity, lifetime annuity, or drawdown, and helping you to gain a clear understanding of how these options work

To access pension planning advice today, please get in touch with our expert independent financial advisors at Cullimore Dutton.

We can provide pensions financial advice across a range of different areas, including pensions and tax efficiency. Our team at Cullimore Dutton can help you ensure that your pension contributions are tax efficient, providing guidance on how you can use your lifetime allowances, annual allowances, and pension tax relief.

Our specialists can help you avoid and manage the relevant tax thresholds, assisting you in growing your pension while mitigating tax liabilities.

To learn more about how we can help with pensions and tax efficiency, please get in touch.

At Cullimore Dutton, our expert pensions advisers can provide a wide range of advice on pension investment strategies. With a detailed analysis of your situation, we’ll provide guidance on how you can invest your pension, helping you to put together a strategy based on your retirement objectives whilst balancing an appropriate level of risk.

We can help you choose a suitable investment strategy as part of your pension plan. This might involve investing in mutual funds, stocks, bonds, or a combination of these.

Our independent financial advisers can help you to diversify your investments, creating a pension investment portfolio that works for your circumstances, and reduces risk.

We can also help you make changes to your investments, if necessary, for example, in response to market fluctuations or when you are close to retirement.

To discuss your needs today, please get in touch with our expert pensions advisers.

At Cullimore Dutton, we can provide specialist pension planning services for high net worth clients. With a clear understanding of your situation and goals, we can help you access a tailor-made pension plan to protect your interests and facilitate growth.

Specialist support that we can provide for high net worth clients includes, but is not limited to:

• Bespoke investment strategies, for example, the use of hedge funds or private equity
• Helping clients to utilise unique strategies for tax reduction, for instance, the use of pensions trusts or offshore pensions

Advice to help high earners limit the impact of exceeding their Lifetime Allowance

For many people, pension and investment decisions sit alongside wider family and estate planning. We can work alongside our legal teams to consider trusts and inheritance tax planning as part of a joined-up approach, so your long-term arrangements make sense together. The Financial Conduct Authority does not regulate trust advice, but we can help you understand how this area may connect with your financial planning and when legal input is needed.

The financial advice we offer does not just look after your money, we will research and investigate all your financial interests and propose solutions that will ensure your money looks after you.

The advice we provide is centred around you and your aspirations for the future; the lifestyle you wish to lead in retirement, the age at which you hope to retire and what you plan to leave behind to your loved ones. Our service will provide you with an all-encompassing financial plan tailored to meet those aspirations.

Working with a financial adviser for your pension enables you to access bespoke pension advice and planning support. An independent financial adviser can assist you to navigate various pension options, investment opportunities, and tax regulations. Attempting to assess and arrange these matters can be difficult unless you have expert knowledge.

Without the help of a financial adviser, you may fail to properly protect your financial interests and make the most of your pension.

If you are interested in discussing your needs with a financial advisor for pensions, please contact Cullimore Dutton today.

The cost of financial advice on pensions depends on the type and extent of support that you need. We’ll start by assessing your needs and preferences, and from here, we can provide an accurate quote, ensuring that you have a clear idea of your fees from the outset.

That is very much dependent on the age at which you plan to retire and the lifestyle you wish to lead in retirement. We will review all the elements within this equation and provide you with a series of options which best match your ambitions.

While we do not have a fixed minimum figure the service we provide is for serious investors. This does not necessarily mean that you need large sums of cash in the bank as we will consider all your financial interests (pensions, shares, property, family etc.) when discussing your plans with you.

Yes, we do. If fact we do not just offer pension reviews; as part of our retirement planning service, we will consider all financial elements, pensions (and how well they are performing), shares, property, tax implications etc, taking everything into account including your retirement ambitions and provide you with an all-encompassing financial plan.

This is very much dependent on your circumstances, the value of the pension pots (how well they are performing), and your retirement aspirations all of which we will review as part of our retirement planning service.