Retirement & Pension Planning
Secure your future with expert, independent financial guidance
It’s never too early—or too late—to plan for a comfortable and fulfilling retirement. Whether you’re imagining relaxed days by the coast or looking forward to more time with family and hobbies, the key to a great retirement is having a clear, well-structured financial plan.
At Thirlwell IFA, we specialise in independent retirement planning advice tailored to your personal goals. One of the most important decisions you can make is understanding how much income you’ll need in later life—and how to ensure that income lasts as long as you do.
Pension Planning With Flexibility
Retirement today doesn’t always mean stopping work altogether. Many people choose to remain active—working part-time, consulting, or running a business. At the same time, pension freedoms now offer more ways than ever to access your retirement savings.
That flexibility brings opportunity—but also complexity. With so many choices, it's easy to feel overwhelmed. That’s where we come in.
Whether you're ten years from retirement or just around the corner, we’ll help you understand your options and make confident, informed decisions.
Our services cover:
- Maximising pension contributions and tax efficiency
- Consolidating pension pots
- Retirement options: Flexible drawdown and annuity advice
- Inheritance tax planning and estate preservation, involving pensions
- Advice for employees nearing retirement
Personalised Support Every Step of the Way
Your retirement income strategy should reflect your lifestyle, risk profile, and aspirations. Whether you’re starting from scratch or reviewing existing plans, we offer truly independent financial advice designed to help you get the most out of your retirement—right from day one.
Let us help you build a plan that supports your future—whatever it looks like.
The value of an investment will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. Equities do not provide the security of capital which is characteristic of a deposit with a bank or building society.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief generally depends on individual circumstances.
Auto-Enrolment products are not regulated by the Financial Conduct Authority.