For many of our high-net-worth clients, retirement represents not just an end, but a beginning. A new chapter of freedom, flexibility and purpose. We’re here to help our clients define that vision and ensure they are financially equipped to live it.
One of the most important steps on the journey to financial freedom is the accumulation of a substantial pension fund. We help our clients make full use of available tax allowances, designing bespoke retirement strategies which are tailored to their unique goals and circumstances. We focus on ensuring you can enjoy life on your terms—whether that means continuing to work out of passion or enjoying full financial independence.
Download our Pensions guideRetirement planning has become increasingly complicated for high-net-worth individuals. But with the right guidance, it doesn’t have to be overwhelming. We create specific wealth management strategies that match your individual aims, objectives and circumstances, that utilise not only a range of pension structures but also make use of other tax allowances, including:
Our independence means we have access to the whole of market to find the best solutions for your needs.
Our approach gives you the freedom and flexibility to retire how and when you choose. We focus not only on building your retirement wealth, but on the tax-efficient release of income during retirement—so you can spend your time doing what matters most, with the confidence that your finances are working for you.
Whether you’re self-employed, a business owner, company director, or executive, we’ll work alongside you to shape your ideal retirement. We advise on a wide range of pension arrangements including:
Together, we’ll help build a comprehensive, long-term plan which supports not just retirement—but your life goals.
Since the introduction of pension freedoms legislation in 2015, individuals now have greater flexibility in how they access their pensions. From age 55 (rising to 57 in 2028), you can draw from Defined Contribution (DC) plans with freedom and choice. Our role is to help ensure this flexibility is used wisely—to accelerate your financial freedom and make retirement a choice, not a necessity.
The Lifetime Allowance (LTA) was abolished with effect from 6 April 2024.
Historically, the LTA capped the amount of tax-relieved pension savings an individual could accumulate over their lifetime without incurring additional taxes.
Starting from 6 April 2024, this cap was replaced by two new allowances:
The LSDBA applies to the payments that use up the lump sum allowance as well as the tax-free element of serious ill health lump sums and certain non-taxable lump sum death benefits.
Under the regime, any lump sum paid within two years of a member’s death are tax-free up to the LSDBA limit of £1,073,100 (The LSDBA may be more than this if an individual holds a valid lifetime allowance protection). The £1,073,100 is reduced by any amount withdrawn under the LSA.
Amounts exceeding the LSDBA will be subject to the beneficiary’s marginal rate of Income Tax. This applies regardless of whether the funds are crystallised or uncrystallised, simplifying the tax treatment of these benefits.
For individuals who die after age 75, the treatment of death benefits is largely unchanged. Beneficiaries will continue to be taxed at their marginal Income Tax rates, whether they receive the benefits as a lump sum, through drawdown, or as an annuity.
Alternatively, if pension funds are passed into a beneficiary drawdown pot upon the members death, pre or post age 75, then different rules apply:
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For further information on how we can help you build and protect your wealth, please contact us.