Pension Planning pension planning

Why you may be looking into pension planning

Pension planning should ideally begin when you start work, not just before you are due to retire. It can be difficult to imagine how life will be when you finally stop working. Planning for retirement well in advance will help you to create the financial security you aspire to have.

If you are researching pension planning options ahead of retirement then speaking with an Independent Financial Adviser will help you to understand your options and evaluate them. HJS Financial Planning are a team of experienced independent financial advisers who help many individuals plan for their retirement every day.

You may also be in the situation where you are approaching retirement. Advice from an Independent Financial Adviser at this stage is also really important. You’ll be looking for appropriate ways to maximise the value of your pension fund and be tax efficient.

The information we provide on this page and throughout our website is intended only as guidance to help you identify your options and narrow down your choices. For advice on your specific circumstances we recommend you contact us.


Why pension planning is important

We all understand why it’s important to plan ahead for retirement, but often we don’t plan it effectively or in enough detail because “it’s years away in the future” and we have “plenty of time to plan.”

The reality is actually we don’t and by planning well ahead of retirement means you’ll have more opportunity to realise the financial goals you set yourself to enjoy your retirement and protect your family.

Why you need to plan for retirement:

  • As a nation we are living a lot longer therefore our pension funds need to stretch a lot further
  • Living into your 70s, 80s, 90s can incur more expenses than your pension income can keep up with, due to medical and care costs for example
  • Inflation – which will continue to reduce the value of your money over time.


The benefits of pension planning with an Independent Financial Adviser

When it comes to planning your pension and retirement to reach your financial goals, an independent financial adviser is a key source of guidance and advice. Independent advisers can give expert advice and since they are not representing any specific family of funds or investment products, their advice is tailor made to your specific needs. Many people feel more comfortable looking at their options from a ‘whole of market’ perspective, so they are evaluating all their options rather than ‘the best’ of a smaller number.

Working with a professional adviser will not only help you take charge of your financial security but also ensure that you make the best decisions to maximise your investments for the best possible returns.


Why choose HJS Financial Planning for your pension planning?

HJS Financial Planning has a proven track record of providing tailor-made solutions to the financial needs of our clients. We form personal relationships with all our valued clients and we have a strong sense of loyalty and accountability toward them.

Our team has decades of experience helping to plan for retirement, so you can rest assured we will take care of your hard-earned money. We’ll work with you every step of the way to identify what your pension needs to deliver for you when you retire. You can read more about how we work here.

To find out more about us and how we can help you call us today on 02380 920128.


The value of your pension can fall as well as rise and you may not get back the original amount invested.

HJS Financial Planning is authorised and regulated by the Financial Conduct Authority no. 755721.
The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.