Make retirement feel less uncertain
You do not need every retirement decision settled before speaking to an adviser. You may know the life you would like but feel unsure about when it could begin or how your pensions might support it. Everwealth offers independent financial advice across Norfolk, helping you turn those questions into a clearer plan.
Support your life and your family
A retirement review can also consider the savings and investments you hold outside pensions, including ISAs, general investment accounts and investment bonds. Explore investment advice and inheritance planning to understand how these arrangements support your income, future choices and the people you hope to help.
Neil Summers or Jordan Durrant visits you at home and takes time to understand your circumstances. We consider your pensions, investments and savings together, rather than treating each account as a separate decision. A partner can join the conversation if that helps you plan as a household.
Understand what your pension actually provides
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.
Norwich has a long connection with insurance and financial services. A career there, or elsewhere in Norfolk, may have involved several employers and different pension schemes. Similar looking statements can describe very different benefits. Some pensions hold an invested pot; others promise income under the scheme rules.
We start by establishing what you have and what the rules allow. Retirement ages, guarantees, charges, beneficiary arrangements and withdrawal choices can all affect the options. An old pension should not be moved simply because it is no longer receiving contributions.
When retirement has already started
Your plan still needs attention after your last working day. Spending can change, family priorities can develop and investment performance may differ from what you expected. It helps to understand which income is secure, which depends on invested savings and how withdrawals affect the money available for later life.
We can review the relationship between income and spending, consider your cash reserves and explain how the plan might need to adapt. Ongoing support is about revisiting the decisions as your life changes, with clear conversations about uncertainty as well as progress.
Balance flexibility with reliable income
Drawdown can allow you to vary withdrawals, but your pension remains invested. Market falls and taking too much income can reduce what remains or exhaust the fund. An annuity can provide income on agreed terms, with choices that may include protection for a partner. Those choices affect the income available and need to be considered before committing.
The right balance depends on your own circumstances, including other income, essential costs and your ability to tolerate losses. 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.
Advice across Norfolk
You can explore our financial advice in Norwich page for a more local introduction. Home visits are available across Norfolk. We do not require you to travel to a client facing office, and you do not need to have your paperwork perfectly organised before the first conversation.
Explore pension and retirement planning or our explanation of annuities and drawdown. Pension Wise also offers free, impartial guidance for eligible people considering how to take a defined contribution pension.
Your first conversation
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 I review income if I am already retired?
Yes. Retirement is a continuing stage of life, and a review can consider changing spending, existing income and invested savings. We discuss how withdrawals affect what remains for later years. A review does not mean a change is always needed, and the risks of any proposal should be clear.
This is general information, not personal financial advice.
Do both advisers visit homes across Norfolk?
Yes. Neil Summers and Jordan Durrant both cover Norfolk. A home meeting can include a partner and allows you to have pension and investment paperwork nearby. Tell us what prompted the enquiry so the conversation can focus on the decisions you want to understand rather than a standard product presentation.
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.