Pensions and Retirement Planning...

Helping you to build a retirement pot and consider your retirement income options so that you can achieve the retirement lifestyle you want.
CALL US ON: 01772 729 742

A vital element of
wealth management...

In a world where people are living for longer and the State Pension is being paid later, pensions and retirement planning are a vital element of your wealth management and financial planning strategy.

With pension legislation having been the subject of huge changes in recent years, saving for retirement remains a very complex area with varying rules and regulations. Our pension specialists can help you to make the most of your pensions and other assets and achieve your retirement goals.

Saving for Retirement

There are various ways of funding for retirement such as pensions, ISAs and other investments but deciding how much you need to set aside for your retirement is challenging.

During our meetings we will help you to quantify your retirement income needs, utilising computerised cash flow modelling tools, where appropriate, before recommending a solution that allows you to achieve your retirement goals and aspirations.

We can advise you on;
  • Existing pensions, new pensions and other investments
  • Pension transfers
  • Pension tax relief
  • Annual allowance planning (incl. carry forward, tapered and money purchase annual allowances)
  • Lifetime allowance planning (incl. lifetime allowance protection)
  • Pension sharing on divorce
Your dedicated financial planner will regularly review your overall retirement plan with you to ensure that the recommendations continue to be suitable based on your circumstances and an ever changing economic and legislative backdrop.

Retirement Income Options

With the introduction in recent years of more flexible retirement options, there are many avenues to consider when deciding how to provide an income in retirement.

We can help you to understand the options available to you, such as;
  • Pension commencement lump sum (tax free cash) versus income
  • Flexible access drawdown
  • Uncrystallised fund pension lump sum
  • Small pots
  • Annuities
We will work with you to understand your income requirements and will provide recommendations to make the most of your assets upon retirement using your available tax allowances and reliefs.

You will benefit from regular reviews where we will assess your current financial position, the continuing suitability of our recommendations to meet your ongoing income requirements, the performance of any underlying holdings and to plan for passing any remaining funds on to your chosen beneficiaries, tax efficiently, following your lifetime.

Get in touch to find out more about our Retirement Planning Services

Springfield Financial Services Ltd offers Retirement Planning Services to individuals throughout Preston, the Ribble Valley, the Fylde Coast and the Lake District, as well as further afield.

For further information or to arrange an initial no-obligation consultation at our offices or another mutually convenient location, please telephone us on 01772 729 742, or alternatively, simply fill out our online enquiry form and we will give you a call to discuss your requirements.

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What our clients tell us

  • Look No Further: Springfield Financial Services Ltd were recommended to my wife and I five years ago on my retirement. We haven’t been disappointed. Having no previous experience of financial planning, we needed someone we could trust to steer us through the minefield of planning for financial security in retirement. Springfield did exactly that. They listened to our desires, expectations and attitude to risk, before formulating a plan that exceeded our original target, despite difficulties caused by the recession in the early years. They are always available to offer advice and provide a calming influence when times are tough. I would thoroughly recommend Springfield Financial Services Ltd to anyone seeking sound financial advice from a company they can trust.

    D & C Smith, Preston, Lancashire
  • From my first meeting with Springfield Financial Services Limited it was clear that their in-depth knowledge far exceeded that of other financial advisers with whom I had spoken. Springfield continues to coach me through my financial options with skill and patience. I am confident that my investments are being safely overseen by experts and consequently I feel my family’s financial wellbeing is secure.

    Isobel, Preston, Lancashire
  • We have been clients of Springfield Financial Services since 2001, through good and challenging times. Their advice and support during the financial troubles of 2008 was invaluable. We genuinely trust and appreciate their professional expertise. They are a very welcoming and efficient team. We have had no hesitation in recommending Springfield to family and friends.

    Mr & Mrs Benson, Kirkham, Fylde Borough Lancashire

Begin Your Financial
Journey With Us

With Springfield Financial you'll receive high quality, ongoing independent advice from a trusted financial professional.


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We are authorised and regulated by the Financial Conduct Authority (FCA) Registered in England Number 01410871

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