Retiring with Choice and Tax Efficiency

Self-directed pensions and certain trust structures allow for investment in alternative assets such as private equity, hedge funds, and real estate. These can provide diversification and potentially higher returns. We can help you evaluate suitable options based on your risk profile and investment goals.

High-earners can benefit from strategies such as making Additional Voluntary Contributions (AVCs), utilising carry-forward relief for unused tax relief from previous years, and considering executive pension plans. Our advisors can help structure your contributions for optimal tax efficiency.

The amount varies based on your lifestyle and goals. Generally, it is advisable to replace 70-80% of your pre-retirement income. Our cash flow modelling service can provide a personalised projection, considering factors like inflation, investment returns, and your desired retirement lifestyle.

and what are my options?

Pension Adjustment Orders are crucial in divorce proceedings. They ensure fair distribution of pension entitlements, protecting your retirement income. Our advisors can guide you through this process, helping you understand your rights and options to secure your financial future.

Employer PRSAs offer significant tax advantages. Contributions made by the company are deductible as a business expense, while personal contributions receive tax relief at your marginal rate. This dual benefit can substantially reduce your overall tax liability while building your retirement fund.

A Retail Master Trust provides professional investment management, governance, and compliance oversight. It offers tax-efficient growth, flexibility in contributions, and the potential for larger tax-free lump sums at retirement, making it an attractive option for high-earning individuals.

Self-directed pensions offer greater control over investment choices, allowing you to invest in a wide range of assets, including property, stocks, and alternative investments. This flexibility can lead to potentially higher returns and better alignment with your financial goals.