financial services

Pensions and Retirement Planning

Plan and prepare for your retirement.

Pensions and Retirement Planning

Finance your retirement.

Pensions are simply your savings that you could use to fund your retirement, but there is often a lot of confusion about how they work and what all the small print means.

When you reach retirement there are various methods by which you can take a pension income, however, you must be mindful of the limitations and tax considerations. There may also be substantial enhancements that could be lost if you are not careful.

Plan your pension properly.

The tax advantages of pension savings suggest that these should be a pivotal part of your savings pot. Ok, you cannot access them until 10 years before your state pension age, but then that’s the point really!

When the time comes to retire it is vital that a sensible plan is established to ensure that your retirement income lasts and your hard-earned pension pot is not wasted. We will help you with all this and more, including how to direct any remaining funds to your preferred beneficiaries when you die.  

We will recommend the best product with the most effective underlying investment and utilise all of your tax considerations to maximise growth or income potential. Of course, it is always important to keep some cash for a rainy day, we will never recommend that you invest every single penny.


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Pensions and Retirement Planning


A Few Common Questions
When considering any financial services you must remember that
  1. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
  2. The value of investments can fall as well as rise.  You may not get back what you invest.
  3. Venture Capital Trusts (VCTs) are high risk investments and there may be no market for the shares should you wish to dispose of them. You may lose your capital.
  4. Enterprise Investment Schemes (EIS) are very high risk investments. An EIS investment is usually concentrated in one single unquoted trading company. Often there is no market for the shares and it may therefore be very difficult to make a disposal. There is a strong possibility of the company failing.
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We have a number of properties with different mortgages for each. Rickard Lazenby have been excellent at helping us managing these and ensure that we are always paying the best rates. Knowing that they are independent and able to offer other services if and when needed gives us peace of mind that they will continue to help us as our portfolio evolves.

Mr Bridges, Sussex

I approached Rickard Lazenby to help with my retirement planning. Everyone was easy to talk to and very knowledgeable, they explained everything clearly and made it seem much less daunting. I would happily recommend them and in fact, I have asked that they help with our daughter’s mortgages and finances too.

Mrs Morris, Kent

With a potentially complex and diverse portfolio to manage, we really struggled to find appropriate advice and guidance. Rickard Lazenby have provided excellent advice and explained things in a clear and friendly manner, we now feel much more confident and happier in our financial situation.

Mr and Mrs Wood

Our family is eternally grateful to Rickard Lazenby for sorting out my estate, allowing my wife and I to enjoy our retirement, safe in the knowledge that our childrens' futures are secure.

Paul Bosworth
Personal Customer

As a relatively small business, we didn't have the time or resources to really look after our workplace pension scheme. Rickard Lazenby now provide us continued support and guidance, so we can focus on our business.

Shenley Farms

Rickard Lazenby helped me plan and provision for my retirement. Their guidance and advice has given me back control of my finances.

T Stannard
Personal Customer