Retirement Planning

With increasing life expectancy, you could now spend over 30 years in retirement. Whilst this longevity offers many opportunities, it also presents a major challenge – ensuring an adequate income to live on. Very few people save for their retirement in a structured manner.  Whilst most people will have some form of retirement arrangements, very rarely will they have a cohesive plan to work to which might enable them to measure whether they are saving enough to enjoy their retirement.

Retirement planning falls into two parts. For both parts, professional advice is required, as the decisions made will determine your standard of living in retirement. It almost goes without saying that the wrong choices could cost you dearly.

The first part is choosing the best way of saving for your retirement taking into account such factors as the age at which you propose to retire, the income you will need, the benefits you should get from the state, and any employers (or former employers) pension scheme. Having then adjusted all this for inflation, it should be possible to establish how much you may need to save, and then decide the best way to do so.

The second part is selecting the best way to draw an income from your retirement savings, where the decisions made will determine your income for the rest of your life. Should you draw an income through a traditional annuity? How much should be taken as a tax free cash sum? How will the income be taxed? What would happen to your pension if you were to die? The need here for professional advice is absolutely essential.

At Coast to Coast, we have the specialist Chartered qualifications, expertise and experience that enables us to provide personalised independent financial advice for your individual retirement planning needs, no matter how complex they may be, so helping you achieve your desired lifestyle in retirement.

Please note we offer a free initial consultation without obligation.

A pension is a long term investment and the fund may go down in value. Your eventual pension income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

How Coast to Coast Financial Planning Service Are Paid

About Coast to Coast

Coast to Coast Financial Planning Services Limited is a privately owned IFA company offering professional independent financial advice. It was established in 1996 by Andrew Dawson who, after a career working in Financial Services for such companies as Lloyds Bank and the Halifax...

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What Our Clients Say

We like to think that twice receiving the prestigious Financial Adviser / Financial Times award of Best Financial Planner in their Cornwall financial planning surveys, would be good guide to the quality of our service. But what do our clients say about us?

Contact Coast to Coast Financial Planning Service

Contact Us

9 Frances Street

Business Hours
Monday - Friday 9.45am - 2.30pm
Saturday 9.45am - 12.30pm
(Other Hours By Appointment)

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Coast to Coast Financial Planning Services Limited is an appointed representative of TenetConnect Limited, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Limited is entered on the Financial Services Register ( under reference 149826.
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Coast to Coast Financial Planning Services Limited Registered Office: The Old Carriage Works, Moresk Road, Truro, TR1 1DG Registered in England No. 3153879. The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.