LifePlan Investments
Pension Planning
Give your retirement plans a clear direction
Whether retirement is years away or just around the corner, a clear pension plan helps you prepare. Understanding your existing arrangements, contributions and intended retirement date can help you identify what needs attention and take the next step.
Established in 1990, LifePlan Investments helps you consider building pension savings, reviewing existing arrangements and preparing to take benefits. We explain the support available through our service and look at your pension alongside your savings, investments and wider responsibilities.
Bring your existing arrangements together
You may have a current workplace pension, a personal arrangement or benefits from previous employment. Looking at them together can make it easier to understand contributions, investment choices, charges and the benefits each arrangement provides.
A review does not automatically mean moving a pension. Existing arrangements can contain valuable benefits, guarantees or protections that should be understood before any change is considered.
Plan around the retirement you have in mind
We begin with practical questions. When would you like to retire? What spending will continue? Do you expect part-time work, significant family commitments or large one-off costs? How much accessible money do you want outside your pension?
These conversations help establish a sensible basis for exploring pension options. The appropriate approach depends on your earnings, existing provision and capacity to make contributions, as well as the applicable rules.
Understand contributions and investment choices
The way pension savings are invested can affect their value and the income they may eventually support. Your time to retirement, willingness to accept market fluctuations and ability to bear losses all matter.
Tax treatment and contribution rules depend on your circumstances and residence. We explain where specialist tax input is needed, particularly where you have lived or worked in more than one country.
Book a pension planning consultation
Book a consultation with one of our advisers to talk through your plans. Recent pension statements and contribution details are useful, but you can contact us before gathering everything. If you are starting your first pension, we can explain the options within our service.
Pension investments can fall as well as rise in value. Retirement benefits depend on the arrangement and relevant rules. Moving a pension may involve charges or loss of existing benefits.
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