Pension Advice and Planning
At Cullimore Dutton, our expert, independent financial advisers are focused on delivering more than your standard pension advice and planning service. When you choose us, you’ll receive more guidance and more security.
Pension planning is essential, allowing individuals to ensure financial security when they retire, grow their savings through investment, improve tax efficiency and more.
However, unless you have expert guidance and advice, it can be difficult to plan your pension and figure out which options and strategies are best for you.
Every day, our expert pension financial advisers change the lives of our clients, helping you get the most out of your pension. We appreciate that these matters can feel confusing, but rest assured, our independent financial advisers for pensions ensure that our processes are straightforward. When you work with us, you will always feel supported and well-informed.
At Cullimore Dutton, we can support you in many ways, including:
- Strategic pension planning: Covering various areas, including determining your retirement goals and reviewing any current pension plan in place
- Pensions & tax efficiency: Helping you to ensure that your pension is as tax efficient as possible
- Pensions investment strategies: Helping you to choose the most appropriate investment strategy for your circumstances
- Pension planning for high net worth clients: Providing specialist support and advice on unique investment strategies
Get in touch with our independent financial advisers for pensions
To access support with your pensions, please get in touch with our independent financial advisers at Cullimore Dutton.
You can give us a call on 01244 356789, or complete our contact form, and a member of our team will contact you as soon as possible.
Our pension advice and planning service
Bespoke pension planning
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 consolidate pensions (where clients have more than one pension pot)
- 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.
Pensions and tax efficiency
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.
Pensions investment strategies
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.
Pension planning for high net worth clients
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
Why work with Cullimore Dutton?
We are proudly one of the most established legal and financial firms in the region, having a rich history that dates back to 1792. Over many years, we have earned ourselves a fantastic reputation in the local community, all thanks to our excellent quality standards and the dedication of our teams.
At Cullimore Dutton, we are one of just a handful of firms that can offer both financial and legal services in one place. Having the opportunity to deal with both areas simultaneously means that we can provide a more cohesive strategy, often resulting in better decision-making, particularly when it comes to pension advice and planning.
When you choose us, you can expect more security, more expertise and more care. To discuss how we can help you today, please get in touch with our expert independent financial advisers.
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Experienced
Our truly independent financial advisors have an enviable level of knowledge and expertise and manage the portfolios of multiple clients through tailored financial and retirement planning.
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Specialists
Our team specialise in investment and financial planning and are members of the Personal Finance Society. We are one of the few legal practices to offer specialist, independent financial advice alongside our legal services and believe that doing so provides our clients with a better all-round service.
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Understanding
We recognise a need for impartial advice on investment opportunities and pensions and value the opportunity to help our clients to achieve financial security and peace of mind. We understand that clients need confidence when investing substantial sums of money and promise that your investment will be managed professionally.
Frequently asked questions about pensions planning
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.
Get in touch with our independent financial advisers for pensions
To access support with your pension, please get in touch with our independent financial advisers at Cullimore Dutton.
You can give us a call on 01244 356789, or complete our contact form, and a member of our team will contact you as soon as possible.
Who will work with you on your Pensions & Investments?
An independent financial adviser with at least 25 years’ experience in this area of work.
Administrative duties will be undertaken by our support staff.