Retirement Planning

These days it's common for retirement to last more than 20 years. Therefore, achieving the dream of a secure, comfortable retirement requires planning.

Retirement Planning

Life expectancy today is far greater than it was 50 years ago.

These days retirement commonly lasts over 20 and although the State pension provides some basic financial security, the amount you receive is not great and depends on a number of factors. You need a far greater pension pot to ensure a long, financially secure retirement than you would have needed in the past.

That's why all employers now have to provide a workplace pension to help people save towards their retirement, over and above the State pension. However, the benefits from a workplace pension also depend on a number of factors including the amount of contributions paid, over what period and the investment performance of the fund.

Throw in 'Pensions Freedom', the reductions in the 'Lifetime Allowance' and 'Annual Contribution Limit' and it becomes clear that getting professional retirement advice is not a luxury, it’s a necessity.

Pensions Freedom rules introduced in April 2015 means that those aged 55 and over can draw from their defined contribution pension fund, exercising a range of flexible options to suit their circumstances, which provides far greater flexibility than before.

However, there are other important implications including death benefits, Inheritance Tax, entitlements to state benefits and long term care planning, to name a few. Therefore, everyone with a pension will need to review their retirment planning and if you’re thinking of taking a pension worth more than £30,000 you must get professional advice.

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I have always been very satisfied with the advice and service I receive from them.

- Jennifer Hoyos

My adviser Chris Galpin is very good at explaining how our investments and pensions work, and he is always available should we need advice.

- Annie Roberts

We used the services of the Chris Galpin and I cannot rate his helpfulness, knowledge or patience highly enough. He very efficiently soughted out the best mortgage for us and then got on with the application process with the minimal amount of fuss. Nothing was too much trouble and I will be using him in the future.

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All our dealings to date have been excellent, they have listened to our requirements made suitable suggestions and implemented them in a friendly and professional manner.

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I have had honest advice and when my husband died they did all the necessary paper work for me very swiftlly and did not charge. A friendly professional firm who quickly understand your needs – no hard sell – your protection paramount.

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I get a good personal service from an experienced and thoughtful person whom I have known for 30+ years, and trust. That’s very valuable to me even when we don’t entirely agree on priorities! He also advises me on things I need to get around to doing, and I usually follow his advice.

- Penny Henderson

I have been with Dartington since before they were Dartington, and the level of service has continued at the same high standard.

- Adrian Moxon

They were recommended to me and I have already recommended them to others. They are good at explaining things in a way I understand.

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Never had any problems. Friendly consultancies.

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- Jon Daly

The financial adviser I have dealings with has been excellent over the years.

- Janet Huskinson

My experience has been very good, especially the personal help from Philip Bowden-Pickstock.

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I was very happy with the service that Dartington provided with respect to our new mortgage and I have already recommended them to a friend.

- Dr Michael Gifford

Our Address

Dartington Wealth Management Ltd.
5b Clifton Court,
Cambridge CB1 7BN

Tel: 01223 211 122
Email: enquiries@dartingtonwealth.co.uk

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Retirement Planning

These days it's common for retirement to last more than 20 years. Therefore, achieving the dream of a secure, comfortable retirement requires planning.