Pensions and Retirement Planning

Having dealt with retirement planning for many years, we recognise that the industry is fast paced and rarely stands still. At Exley Financial Planning, we provide clear guidance to our clients on the relationship between pensions, taxation, government legislation and the state pension. 

We believe that pensions are one of the most tax effective retirement planning tools available. We will consider using them as part of all retirement plans.

Saving For Retirement

The first and most important step in any plan is to understand your goals up to and during retirement. We will have to get a clear idea of the age you wish to retire and the income you would like to receive. Taking account of any expected state pension, other savings and any other pensions, we will construct a model which allows us to demonstrate what needs to be done in order to give yourself the best chance of meeting your goals. It may be that your goals are unachievable - if this is the case, we will let you know and work with you to form an alternative solution. 

Your bespoke pension plan will be designed to work alongside any existing commitments and future retirement benefits you may enjoy. Given the volatile nature of the pensions industry, and the ever changing needs and objectives of you, the client, we oversee your arrangement on an ongoing basis, and if you allow us to, will offer ongoing advice and service to adapt and change your arrangement as is suitable. 

At Retirement

Having spent some time paying into a personal or employer pension scheme, it can be daunting to finally be in a position where you need to draw on it. We help make sure our clients are guided to making the best decisions in retirement. 

Our process involves establishing your goals for retirement and estate planning. We then assess the arrangements you have in place already and the options available to you. If these arrangements do not provide the most effective means of achieving your goals, we will tailor an alternative, bespoke solution for you.


In doing this we consider whether you require guaranteed income or a flexible income that can adapt to changing circumstances. We also consider whether or not you might have a need for lump sums in retirement. If so, we will ensure you are fully aware of any tax implications.

Call us now on 01291 671075 or email.

The value of investments and any income from them can go down as well as up and you may not get back the original amount invested.

HM Revenue and customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

We can offer advice in the following areas:

 - Flexi-Access pensions - 

 - Accessing cash from your pension - 

 - Annuities - 

 - Pensions as an Inheritance Tax efficient tool - 

 - Workplace pension schemes - 

 - The suitability of final salary schemes in retirement 

 - Divorce and pension sharing orders -

The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Exley Financial Planning is a trade name of Peter John Exley which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.