What are my
retirement options?

It's only when approaching retirement do many of us consider our plan for the future. The reality, however, is that your retirement plan should be regularly reviewed from the moment you start saving.

In the 10 years or so before your intended retirement, your attention may turn to questions about your retirement options, such as; "what assets will be available for me to use when I retire? ", "Are there any debts or other liabilities I need to pay off in retirement?", "What will my retirement phases be, and what will they look like?" and, most importantly, "will I have enough money?"

The success of a retirement plan depends on how personal it is to you. Understanding retirement issues and options through self-research can help, but there may be a significant benefit in speaking to a professional adviser about your objectives for retirement. Whether you want to talk about the suitability of annuities, drawdown or hybrid pension options, or simply want to discuss the option to defer your pension, we're happy to help. Take a look at the options below to find out more.

Pension Wise is a useful information and guidance source from the government and is a great place to get started before you consider seeking independent financial advice.

Retirement options services

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Annuities can provide a guaranteed income, payable for the rest of your life. Learn more about the features of annuities, and their suitability based on your circumstances, here. Get in touch with an adviser to discuss your options.

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Defer your pension

There is no requirement to access your pension at a specific time. Contact an independent adviser at AFH to discuss your suitability for deferring your pension, and what this could mean for your retirement.

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A flexi-access drawdown allows you control over how and when you access your retirement benefits. As drawdown and its effects are complex, our experienced advisers will be on hand to help assess this option's suitability against your needs.

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Mixed income

Depending on your circumstances, a mixed income option could offer a guaranteed and sustainable income with built-in flexibility. Speak to one of our independent advisers to discuss the features and suitability of this option.

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