Retirement Planning


Retirement Planning

Pensions are complicated - knowing how much to invest, where to invest, when to invest. You have to be able to think both short-term and long-term – to balance the needs of the individual’s immediate financial commitments with what they may need in the future, and what they would like to pass on to their family members.

And day-to-day most of our clients are juggling work, family and personal commitments, they don’t have the time – or inclination - to sit and think through their retirement options.

That’s where we come in.  As independent financial advisers, we have been working in the financial services industry for more than thirty years and there’s nothing we don’t know about pensions. We pride ourselves on taking complex scenarios and turning them into extremely understandable plain English.

Pension Accumulation

We can help you at any stage of the accumulation process – from your very first pension, to conducting a thorough review to make sure your returns will be maximised on an ongoing basis.

Once a certain amount has been accumulated, we can help you explore alternative investment options. This delivers a wealth of benefits, including accumulating rent from an income-producing asset and avoiding corporation tax on sale.

Pension Decumulation

When it comes to drawing an income in retirement, there are many factors to consider including tax-free lump sum requirements, paying income in the most tax-efficient manner, and health - with a view to passing the fund to the next generation.

We are incredibly experienced in both defined contribution pensions and defined benefit (final salary) pensions and can advise on the suitability of both for each individual.

We have been awarded the Pension Transfer Gold Star in relation to our work on defined benefit pensions, recognising the fact we offer clear and appropriate advice in this area.

Case Study

A district judge was referred to us by one of his colleagues, who in turn was referred by her son, whose GP father-in-law was already a long-standing client.

The judge was a member of the pre and post 2016 judicial pension schemes which he was finding impossible to understand and was therefore seeking assistance.

We were provided with details of his arrangements which we were able to convert to plain English. The judge commented at the explanatory meeting “In my job I spend lots of time reading complex papers; however, I have not been able to understand the judicial pension legislation - you have taken this highly complex information and explained it so that I can fully understand its workings, thank you and how much do I owe you?”

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Get In Touch

Please get in touch if you want to talk more about how we can help you.
We offer an initial consultation free of charge which gives us the chance to meet and discuss your needs, with no obligation.

Financial Planning in Solihull

Lumaneri House, Blythe Gate, Blythe Valley Park, Solihull, B90 8AH

0121 693 7310

Reviews and Ratings for Financial adviser Gordon Symes, Birmingham

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based within the UK. Jerroms Financial Planning is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 300784. Registered in England and Wales under reference 4710626. Registered office address: Lumaneri House, Blythe Gate, Blythe Valley Park, Solihull, West Midlands B90 8AH.