What would you like retirement to look like?
More time with family. A change of pace. The freedom to choose. Let’s explore how your pensions could support the future you have in mind.
Personal pension advice in Coatbridge, serving clients across Lanarkshire, Glasgow and Scotland.
Where are you with your pensions?
You don’t need to have all the answers. Start with what’s on your mind.
I’m building for the future
Am I saving enough? Is my pension still right for me? We can review your arrangements alongside your goals.
Talk about your future →I have pensions to review
Different jobs can leave you with different pension pots. Understand what you have before deciding what to do next.
Discuss a pension review →I’m thinking about retirement
When could I retire? How might I take an income? Bring your questions and we’ll help you explore the choices.
Explore your retirement plans →Your pension is part of a bigger picture.
We start with your life and what matters to you, then consider how your pensions fit alongside your savings, investments and other commitments.
- The lifestyle you would like in retirement
- The income you may need and where it could come from
- The people you want to look after
- How your plans might change over time
A conversation first. A clearer plan next.
You can come with a folder of paperwork or simply a question you’ve been meaning to ask.
1. Tell us what matters
We take time to understand your circumstances, your priorities and your concerns.
2. Understand your options
We review your arrangements and explain the choices, costs and risks in plain English.
3. Agree your next steps
We explain our recommendations and fees so you can decide how you would like to proceed.
Questions you might be asking
Should I bring my pensions together?
Combining pensions can make them easier to manage, but it isn’t always suitable. A review should consider charges, investment options, guarantees, protected benefits and any employer contributions before a decision is made.
How do I know if I’m saving enough?
Start with the future you would like and the pensions and other resources you already have. We can help you explore how your current arrangements relate to your goals and what changes you might consider.
When could I afford to retire?
That depends on your circumstances, spending needs and available resources. We can help you look at the income you may need, how long it may need to last and how different retirement choices could affect your plans.
What if I’m already taking a pension income?
Planning continues into retirement. We can review your income needs, investments and other assets as your circumstances change, including the risks involved in drawing on your pension.
How do my pensions fit with plans for my family?
Your pensions should be considered alongside your other assets and your wishes for the people who matter to you. Pension and tax rules can change, so a review should reflect your circumstances and the rules that apply at the time.
What should I bring to a first conversation?
If you have recent pension statements, they can be a useful starting point. Don’t let missing paperwork stop you getting in touch; we can explain what information would help and discuss the next steps.
Let’s start with your questions.
Whether retirement is years away or already here, we can help you understand your pensions and consider your next steps.
Let’s talk about your pension →A pension is a long-term investment. Its value can fall as well as rise, and your eventual income may depend on the fund value, future interest rates and tax legislation. Tax treatment depends on individual circumstances and may change. This page provides general information, not a personal recommendation.
WealthLab Financial Services LLP (FCA No. 1057240) is an appointed representative of In Partnership, the trading name of The On-Line Partnership Limited (FCA No. 192638), which is authorised and regulated by the Financial Conduct Authority.
Pensions - A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Investments - The value of units can fall as well as rise, and you may not get back all of your original investment.
Estate and Tax planning - Estate and Tax Planning are not regulated by the Financial Conduct Authority.
Protection - The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Mortgages - Your home may be repossessed if you do not keep up repayments on your mortgage.
This site is intended for UK residents only.
Registered office: 32 Ballochmyle Wynd, Coatbridge, ML5 4QE. Registered in Scotland, Companies House no. SO308306
