Your retirement planning should consider your expected capital provision at retirement, and its ability to generate income for the balance of your life. This can be achieved by way of actuarial models and cash – flow projections, which assess any possible capital shortfall or surplus at retirement. Using these financial planning forecasts, we can implement appropriate tax – efficient, investment strategies to boost your retirement capital.

Your income structuring at retirement will also require careful planning to ensure that you consider the effects of inflation, the appropriate use of income guarantees, optimal tax efficiency and a product selection which offers a diverse range of underlying investment portfolios.