Retirement & Pensions
A holistic approach to planning for your retirement
Planning for retirement can be one of the biggest life challenges that people face. It is a critical part of securing your financial future but devoting enough time to achieving this can be equally challenging.
In recent years there have been numerous historic regulatory changes around pension contribution allowance, the Lifetime Allowance and options around drawing your pension for retirement which makes this area of advice increasingly complex. Trinity Lifetime will help you construct a robust, tax-efficient plan tailored to your needs and designed to provide both security and flexibility.
In addition to fully, and tax efficiently, utilising your pension allowances, we identify investment opportunities in your wider portfolio which offer tax incentives exceeding those available through pensions. By managing your full range of assets, we can also ensure we achieve a low investment correlation.
For clients who are near or in retirement, planning and peace of mind is often more important than ever. Ensuring the safety of your capital and/or income, keeping you updated on your investment progress and evolving pre and/or post retirement requirements is imperative.
We understand people can have complex financial circumstances so we work with you to develop a strategy that considers your entire financial circumstances and aspirations which, crucially, evolve as you do.
Tax treatment varies according to individual circumstance and is subject to change.
"I really didn’t know much about pensions at all and was taking the lead from friends who had done the same thing, but I was pretty nervous about the whole thing. My adviser was excellent at building my knowledge about the pension options available to me. I felt in very safe hands and made the leap and even included a couple of smaller pensions into the pot."
"Trinity Lifetime Partners provided clear and jargon free information to us on the types of pensions we had, their benefits and limitations. Our adviser’s advice and support has allowed us to realise the retirement we had hoped for."