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Retirement planning that begins at home
Your pension paperwork can tell you what you have. It cannot tell you what kind of retirement you want. That is where a personal conversation helps. Everwealth offers independent financial advice across Suffolk, with home visits that give you space to talk through your plans, questions and concerns.
Your wealth, your family and the years ahead
Alongside retirement income, we consider how your ISAs, general investment accounts and investment bonds support your plans. That can include helping family and reviewing what you hope to pass on. Explore our investment advice and inheritance planning, with decisions shaped around your own needs as well as your wishes for others.
You work with Neil Summers or Jordan Durrant. We bring your pensions, savings and investments into one picture, so decisions about retirement income make sense together. You may be planning several years ahead, considering a gradual move out of work or reviewing a retirement that has already begun.
One county, different retirement decisions
A working life around Ipswich and Martlesham may have left you with several workplace pensions. A household near Woodbridge may be balancing retirement income with support for family. Around Bury St Edmunds, a business owner may need to connect personal pensions with the timing of a future business exit. These are starting points for discussion, not assumptions about you.
We take time to understand your own circumstances. Your income needs, existing benefits, health, family commitments and comfort with investment risk all matter. The plan should fit your life rather than a standard retirement age or a single product.
Bring your pensions into focus
We can help you understand what each pension provides and how it may contribute to your retirement. Combining pensions may make administration easier, but it is not always the right choice. Charges, guarantees, protected benefits and access rules need careful consideration before a transfer.
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.
Build an income plan you can understand
Retirement income can come from several sources. We consider your pensions, investments, savings and other income alongside essential spending and the things you want to enjoy. An annuity can provide income on agreed terms. Drawdown offers flexibility but leaves money exposed to investment risk and the possibility of running out. A combination may suit some circumstances.
Investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change. We explain these uncertainties alongside the potential benefits.
Explore advice near you
Read about our approach in Ipswich, Woodbridge and Bury St Edmunds. Home visits are available across Suffolk. We do not require you to travel to a client facing office.
For more detail, explore pension and retirement planning, pension consolidation or pension 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 you visit me outside the main Suffolk towns?
Yes. Both Neil Summers and Jordan Durrant cover Suffolk, including home visits beyond Ipswich, Woodbridge and Bury St Edmunds. Tell us where you live when you get in touch. We can discuss your questions before arranging a meeting, and you can include a partner if you wish.
This is general information, not personal financial advice.
What workplace pension documents should I bring?
Bring the latest statements and any retirement estimates if you have them. The exact scheme and benefits matter more than the employer name alone. We can consider these alongside other pensions and savings. The scheme administrator remains the source for an official benefit quotation and its rules.
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.