Connect your working life with the years ahead
Your retirement plan needs to reflect more than the balance on a pension statement. It should consider when you want to change how you work, what you want life to look like and the commitments that may continue after employment income stops. Everwealth offers independent financial advice across Cambridgeshire, helping you connect those choices with your pensions and investments.
Make the wider picture work together
Your wealth may be spread across pensions, ISAs, general investment accounts and investment bonds. We consider how those arrangements support the same goals, including retirement and helping family. Explore investment advice and inheritance planning as part of a joined up conversation about the life you want.
Neil Summers or Jordan Durrant visits you at home. We take time to understand your circumstances and explain the options in plain English. You do not need a fixed retirement date, a particular product in mind or every piece of paperwork ready before we begin a conversation.
When pensions have accumulated over time
Our pension advice focuses on invested defined contribution pots. Expected defined benefit income can be included in your wider financial plan, but we do not advise on transferring defined benefit pensions.
A career involving several employers or periods of self employment can leave retirement savings scattered across different schemes. Some may offer flexible withdrawals. Others may have guarantees, protected benefits or restrictions that deserve closer attention. We establish what each arrangement provides before considering changes.
Combining pensions may simplify administration, but convenience alone is not a reason to transfer. Costs, investment options and benefits need comparison. A defined benefit pension can provide valuable guaranteed income, and moving away from it can mean losing rights that cannot be replaced.
Planning as a household
Partners may want to retire at different times or hold very different pension arrangements. Looking at each person separately can miss the way household income and spending fit together. We consider who depends on the income, what continues if one partner dies and which decisions need to be made jointly.
You may also want to support family while protecting your own financial position. That calls for a clear picture of what you need, what is available and the uncertainty around future spending. We discuss the trade offs without assuming that one set of priorities suits every household.
Decide how to take retirement income
An annuity uses pension money to provide income on agreed terms. Drawdown keeps money invested and allows flexible withdrawals, but markets can fall and taking too much can exhaust the fund. A combination may be appropriate in some circumstances. The choices depend on your other income, essential spending and capacity to absorb losses.
We explain the alternatives and help you understand their consequences before deciding. Investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and may change.
Keep the plan relevant
A plan made before retirement may need to adapt once you experience it. Changes in spending, health, family responsibilities or investment performance can all prompt a review. Ongoing conversations can help you understand what has changed and whether your income arrangements still fit your needs.
Our home visit service is available across Cambridgeshire. We do not require you to travel to a client facing office. A partner can take part if you would like to plan together.
Explore the decisions in more detail
Read about pension and retirement planning, pension consolidation and annuities versus drawdown.
Start with a free consultation
Your initial consultation is free. Any fees will be explained before a meeting takes place, and all meetings are without obligation. Book a free consultation or call 0345 257 5752.
Can advice include a pension from a science or technology career?
Yes. Your personal statements help establish which scheme and benefits apply. Employment at the same institution does not mean every member has identical arrangements. We consider your actual entitlements alongside other savings and household income. The administrator remains the source for official benefit figures and scheme rules.
This is general information, not personal financial advice.
What if I am still deciding when to retire?
You can start with a question rather than a chosen date. We discuss the life you want, spending needs and available income, then consider the decisions that may follow. The aim is to make the choices understandable, including the risks, rather than promise a particular retirement outcome.
This is general information, not personal financial advice.
If you are aged 50 or over and considering how to take money from a UK defined contribution pension, Pension Wise offers free, impartial guidance. Guidance does not replace personal financial advice.
The value of investments and any income from them can fall as well as rise and you may get back less than you invested.
Tax treatment depends on individual circumstances and may change in the future.