Retirement Planning
Planning for retirement can seem both complicated and confusing, especially with legislation around retirement planning constantly changing. Most recently, increased pension freedoms and the new government Lifetime ISA (LISA) have highlighted the need to be fully informed.
We look to simplify the retirement process, by a better understanding of both the pre-retirement savings, process and the planning of a secure and happy financial retirement.
Personal Pensions
Making sure you save in a flexible, low charged and tax efficient manner is key to building for the future.
SIPPs/SASS
Having even greater flexibility and control of your investments.
Group Pensions
Auto Enrolment and Group Pensions provide ideal work place opportunities to increase your retirement provision.
Annuities
Do they still have a place when looking at a secure retirement objective? A combination of secure and flexible income may meet your needs.
Income Drawdown - Flexible/Capped
Providing flexible options but with greater risks. Much more choice, and some complex decisions to be made balancing both your income needs and investment risks. Planning for both Pre and post age 75.
Fixed Protection/Individual Protection
Making sure you have a full understanding of the tax implications both during saving for retirement and whilst enjoying retirement of Fixed and Individual protection.
Our Independent financial advice is designed to ensure you get the best from your investments and savings to enable you to reach your financial goals. In an uncertain world it is difficult to plan for a financially secure future, with this in mind, Alexander Wray will work closely with you to create a tailored financial plan that is aligned with your personal circumstances and importantly your attitude to financial risk.
Alexander Wray will provide you with independent advice along with access to a range of products, platforms and funds to help you realise your goals and gain financial independence.
Get in Touch
Alexander Wray & Co Ltd
17-19 Chorley New Road
Bolton
Lancashire
BL1 4QR
T: 01204 771 380
Alexander Wray & Co Limited is a Member of The London Institute of Banking & Finance. Member of the Institute of Financial Services.
Alexander Wray & Co Limited is an appointed representative of Peak Assured Limited which is authorised and regulated by the Financial Conduct Authority FRN482276 Company Registered in England & Wales No. 04938252
