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Planning and saving for our retirement is becoming one of the biggest challenges of modern life, with life expectancy increasing and state pension provisions dwindling.

It is becoming apparent that the majority of us will require a significant nest egg in order to live comfortably in retirement.
Having said all of this, many of us still do not contribute enough into our pensions or in some extreme circumstances nothing at all!  We can help.

Even those with pensions often do not really understand the mecahnics and they certainly don't realise just how much it can be costing to have their pension managed each year.  Let us help you uncover some of the mystery and set you on the right path.  

  • If planned for effectively, retirement can feel like the longest holiday of your life, however if you don’t  it can quickly feel like your longest period of unemployment.
  • We can help you prepare for your retirement whether you are in your early twenties or late fifties.
  • We shall work closely with you to understand your post-retirement goals.
  • We can offer retirement solutions specific to the age you wish to retire and the flexibility of income you will require.

With so much to consider we can assess your options and help you make the right decisions.

For more information, or to arrange an appointment, call 01246 560570 or email

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Frequently asked questions

Can I switch my investments over to Banner Jones if I’m not happy with my current adviser?

Yes, after an initial meeting we will be able to assess how we can help you, and outline what, if any charges we would need to levy to look after your financial planning needs.  We would then help you to transfer over your plans.

I am due to retire next year and don’t have a financial plan in place, is it too late?

It is never too late – make an appointment we would be delighted to help you.

I have a few different pension plans, I’ve heard they can be combined, is that right?

In some circumstances that maybe the correct option, but before a decision is made a full review would need to be undertaken.  This review would amongst other things look at the type of pension it is, you’re financial planning objectives, the death benefit requirements, charges and your attitude to risk/ability for loss.  Only when this review had been undertaken would any recommendations be made to you in writing.

I own a business; can you look after my business investments as well as my personal ones?

We provide a generic advice service, with most of our clients asking us to look after all their financial affairs.  This means that we can oversee all aspects of the planning.

If I invest all of my funds I am able to access them should I ever need to?

This depends on the type of investment you put the money into – it is important to set aside a level of emergency fund, say 3 to 6 month income on deposit, and then consider a manner to vest additional monies which take account of your financial needs.  Part of the initial fact finding processes are to assess which styles of invests are appropriate to your needs.

I’m going through a divorce and am worried about my pension, is this something you can help with?

Yes, we are able to offer you support and advice, and provide backing to your solicitor on you gaining the right outcome.  There are several option available to you, and all these will be explained.  It is important to not only consider what is relevant today, but also into your retirement.  Just a thought, don’t forget your State Pension when looking at this aspect, you can get a forecast here

I’m not sure how I feel about risk, can you help me decide?

This is one of the most important aspects of financial planning.   We will assist you in determining your appropriate attitude to risk, and as important your ability for loss.  For example you may wish to have a higher risk tolerance for regular contributions to take account of ‘pound cost averaging’, and/or phase lump sums out of higher risk funds coming up to retirement.

I’ve accumulated various investments and pensions over the years. How can I be sure they are all tax efficient?

There are many taxes, for example income tax, capital gains tac, corporation tax, inheritance tax etc.  Investment tax wrappers work in different ways, and it is important to establish a linked up investment structures which work together to establish the outcome you need from your financial plan.  We will review these for you, and at the same time make sure that the charges are the most competitive you can access and that the funds you are investing into are appropriate to your attitude to risk and ability for loss.


Global Investment Market Round Up From Banner Jones Wealth Management

Global Investment Market Round Up From Banner Jones Wealth Management

Despite the claims of Brexit and the debate on triggering Article 50, it is impossible to start this commentary anywhere other than in Washington where, on January 20th, Donald Trump was inaugurated as the 45th President of the United States. It is remarkably difficult to find a news outlet that has a neutral view of ‘the Donald:’ however, we’ll do our best in this commentary to stick to the facts and let you form your own opinions…

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