Retirement Planning

You work hard to earn money do the things that you want to do in life. In retirement it’s your money that must work for you.

We know from many years of experience that our clients have concerns regarding retirement planning, its associated costs, complexities and connotations.

Over this time there have been many changes to pensions from employment, those saved for privately and ‘state pensions’ provided by government. There are also significant flexibilities in how you may receive benefits in retirement.

We are acknowledged experts in these developments. We aim to make the complex simple and plan meticulously with you for you.

We believe our review process to be one of the most rigorous in the market. It needs to be – there are many thousands of pension and investment options to consider.

Together we conduct a thorough analysis of your current situation and aspirations – the suitability of your existing pension provision, the amount of money you need to live comfortably for the rest of your life, the flexibilities and options that you have, and the future welfare considerations of your family. We will evaluate if you need to invest further and how and when it is best to do so.

It is important to live throughout life with proper financial and tax efficient plans in place that fully reflect how you want to live. Retirement should be no different.

Full retirement analysis of all your pension arrangements       

Retirement projections to find out where you are         

Analysis of Final Salary Pension Schemes in lieu of deferred benefits and transfer values        

Creation of a strategy to deliver the required pension income when it is needed         

Maximise the tax efficiency of your pension income using all your resources       


Watch Jeff & Lisa discuss the reasons to transfer your pension and the reasons not to

We’ve put together 3 short videos on the 5 Reason to transfer out of your Defined Benefit Pension Scheme and the 5 Reasons not to.  If you’d like to view these then click here >>

If you would like to discuss your financial position further with one of our consultants (without obligation), then click on the button and select a suitable time and date to arrange a meeting.

The Financial Conduct Authority does not regulate Tax advice.

If you would like to learn more about how Rob Mac can help you then please call us now on 0131 226 6700 or send us a message by clicking here.

Retirement Planning,
Key Contacts:

Andrew Hannay
Andrew Hannay
Jeff Lewis
Jeff Lewis
Lisa Davies
Lisa Davies