Pension Advisors & Retirement Planning

No Obligation Initial Pension Advice

Get in touch with us today to discuss your pension

Our experienced financial advisors have over 15 years' experience in pension and retirement planning and are here to help you find your perfect retirement plan.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Pension advice

Is your private pension on track?

For most people, a state pension is not going to be enough to support their standard of living when they come to retire. Even if you have a private or a company pension too, this still may not be enough to provide a suitable standard of living in retirement.

This is why seeking pension advice on your retirement plans is essential, no matter what your age. It is also essential to regularly review your plans to monitor if they remain on track for retirement income that will support your planned lifestyle.

We offer access to a comprehensive range of financial planning for retirement, and will regularly review your pension plan to monitor if it remains on track.

Pension Advice

Trusted financial advice on pensions

As part of our comprehensive pension review process, we provide a pension forecasting service, which can help you to understand the pension income you are likely to need to live to your required standard in retirement.

This can also highlight whether you have any shortfall in your current provisions.

An important part of our service at RWB Wealth is running shortfall calculations, which include projections on your state pension and state pension age. We can then estimate what income you will have available at retirement and what, if any, shortfall you have.

Retirement Age

Reaching retirement and not sure what type of personal pension you need?

With the recent changes in pension rules many people are unsure of what pension option would be most suitable for them at retirement.

At RWB Wealth we can look at your current circumstances and discuss your long term retirement needs in depth.

From here we can provide private pension advice tailored to your needs on the most appropriate way to access your pension. This could be via purchasing an annuity or flexibly accessing your pension pot.

Our Pension Financial advisors can help you plan and map out your pensions growth.

Our expert financial advisers will help you become financial independent for your retirement.

We can also advise on the potential tax implications of each option. Should you choose to access your pension pot flexibly, we can help you manage your pension drawdown year on year in the most appropriate and tax efficient way for your own personal circumstances.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Pensions for CHildren

Children’s Pensions

Children’s pensions can be a very useful tool for financial planning for many reasons.

Not many people know that children receive tax relief on pension contributions too, and a pension can be set up from birth. Investing in the early years can mean that with years of compounded growth, even paying a small amount into their pension savings in the early years has the potential to provide a substantial pension pot upon retirement.

This will help to reduce the need to pay larger amounts into their pension later on in life, in order to meet retirement goals. Many of our clients find this option a good tool for inheritance tax planning too, as they can use their annual gift allowance to pay into their grandchildren’ s pensions! The child may not be able to access the pension until they are in their late 50's.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Personal Pensions

Personalised Pension Planning

It is never too early to start contributing towards a pension. In fact, if you start paying into a pension earlier it could mean that your contributions in the future could be less and still have the potential to provide the funds you need to have a happy retirement.

At RWB Wealth we will look at your salary and together create a plan around your personal circumstances.

Our financial planning advisors offer a no obligation initial consultation to discuss your pension needs and types of pensions available. We're here to help!

Retirement Planning

Divorce & Retirement Planning

If the unthinkable happens and sadly your family separates it is vital that you obtain financial advice on the impact of your future retirement plans.

The issue of pensions can become a contentious issue within divorce proceedings, so it is vital that you conduct a full pension review to ascertain and protect your pension(s).

We can advise you on how best to protect your pension in a divorce, and offer a full pension review service to assist you.

Local Pension Advice

Your Local Pension Advisor

Looking for a pension advisor near you? Our pension and retirement advisors in Cardiff will be happy to help you with personalised pension advice near you.

Our pension advisors provide financial services to South Wales area and well beyond.

Click here to talk to our Pension Advisors Cardiff

Click here to talk to our Pension Advisors Newport

Click here to talk to our Pension Advisors Swansea

Click here to talk to our Pension Advisors Bristol

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.