West Kirby Personal Retirement Planning

West Kirby Personal Retirement Planning

Do you ever worry about whether or not your retirement income will be adequate to live the life you want after you stop working? You want the peace of mind that you are managing your finances properly and that you will have enough money to fund your retirement. At the same time, you need to enjoy the time you have now. West Kirby retirement planning gives you the confidence that your financial plans are on track, and helps with your budgeting now.

On your own, it is hard to forecast what income you will need when you retire. You may wish to travel, or buy a new car – or to pass money onto your loved ones. How can you balance those desires with the need to have a good quality of life?

West Kirby Retirement Planning

West Kirby Retirement Planning

Our local West Kirby financial advisers can help. They are trained and qualified to make plans with you for retirement. Unlike other firms we do not treat you as a number. We want to be your trusted partner in the journey to retirement. We ask you about your hopes and dreams – and only then consider what they might cost. We can design a plan that allows you to achieve these by analysing your existing plans and savings. Our computer systems can predict the impact of small changes now over the years. This helps us to understand how your investments and savings can let you live the life you really want when you come to retirement age.

Pension Advice West Kirby

Pension Advice West Kirby

Getting pension advice is simple. You can book an initial review with a West Kirby retirement planning and West Kirby financial planning specialist today. We will pay for the initial meeting, and after that you are under no obligation. Our adviser can meet you at a time and place to suit you. Call us on 0151 601 5922to start your retirement journey today.

Are Annuities Still A Viable Option For Retirement Planning?

Are Annuities Still A Viable Option?

Annuities are retirement products that guarantee you with a regular income after you retire.

You choose a provider, pick an appropriate annuity to suit your needs and, in exchange for some or all of your pension savings, the annuity provides income until you die.

The use of annuities has declined markedly in recent years, with figures from the Association of British Insurers suggesting sales have fallen by as much as 80% since 2014.

Research from the Financial Conduct Authority reflects this trend, with year-on-year annuity sales down 16% in the six months to April 2017.

This is partly due to the fact that, following former chancellor George Osborne’s introduction of pension reforms in 2015, people now have more options when it comes to planning their retirement.

However, are annuities still a viable retirement planning option to consider in 2017?

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Inheritance Tax On Agricultural Property

Agricultural Property Relief
There is a specific relief that relates to certain agricultural property situated in the UK, Channel Islands, Isle of Man and in the EEA (European Economic Area). Qualifying agricultural property can be passed without inheritance tax as a lifetime gift or upon death.

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Inheritance Tax On Property

Inheritance Tax On Property

Inheritance tax on property is to be paid if the taxable value of the estate (with any gifts made by the deceased added on if they were made in the seven years prior to their death) exceeds the nil rate band. The rate of inheritance tax on property is currently 40%.

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Why Choose us


Investment portfolio review


Cash flow modelling


Fully Independent


FCA regulated


Financial planning


Estate planning qualified


Pension transfer specialists


Occupational pension specialists


All types of mortgages


Care fee planning


Low cost fees


Corporate planning


Wealth management


Retirement planning


Inheritance tax mitigation

Not sure what's right for you? Let us help you decide.