At Retirement Financial Advice

‘At-Retirement’ Advice

Make informed decisions at retirement with expert advice

Reaching retirement is a major life milestone. Making the right financial choices at this stage is crucial. At JPB Financial Planning, we provide independent at retirement financial advice to help you transition smoothly from saving to living off your investments and pensions.

Our goal is to ensure your retirement income is secure, sustainable, and aligned with the lifestyle you’ve worked hard to achieve.

Why At Retirement Advice Matters

Retirement planning doesn’t end the day you retire; it constantly changes. Key financial decisions throughout retirement include:

  • Accessing your pension pots
  • Choosing between annuities, drawdown, or lump-sum options
  • Managing your tax liabilities efficiently
  • Ensuring your income lasts throughout retirement
  • Planning for care costs or future financial needs

The wrong decision could impact your financial security for years to come. Independent advice helps you maximise your retirement income, avoid costly mistakes and provide a secure future.

Our At Retirement Advice Services

We support you with clear, personalised advice on:

Pension Access Options

Understanding the best way to access your pension savings based on your goals and circumstances.

Annuities vs. Drawdown

Comparing your options for guaranteed income versus flexible access.

Income Sustainability

Creating a strategy to ensure your retirement income lasts as long as you need it.

Tax-Efficient Withdrawals

Minimising tax liability when drawing from pensions and savings.

Inheritance Planning

Ensuring your wealth can be passed on tax-efficiently.

Long-Term Care Planning

Preparing financially for future care needs.

Our advice is always tailored to your specific situation; no two retirements are the same.

Why Choose JPB Financial Planning?

Independent & Unbiased

We’re not tied to any providers, our advice is always based on what’s right for you.

Personalised Service

Your retirement plan is tailored around your financial situation, goals, and lifestyle.

Experienced Advisers

Our team brings deep expertise in retirement income strategies and pension legislation.

Long-Term Partnership

We offer ongoing reviews and support to adapt your plan as your needs evolve.

Secure Your Retirement Future

You’ve worked hard to get here – now make sure your retirement years are financially secure. Get in touch with JPB Financial Planning for trusted, independent at retirement advice.

Book Your Consultation

Chartered Financial Planners

JPB Financial Planning Ltd became a firm of Chartered Financial Planners in 2020, awarded by the Chartered Insurance Institute (CII). We have made the Royal Charter central to our approach, upholding the highest standards of professionalism.

Our commitment to continuous development and expert financial advice is why clients trust us to guide their financial future.

Reviews

What our clients say

  • Excellent independent financial advisors

    “Excellent independent financial advisors who also make a fine cup of tea! Youth and energy abound but that is tempered with cautious and sound advice that we have total faith in. Avoid the corporate ‘big boys’ and let a small and individual firm get to work with your assets. In particular they have a very transparent fees structure and are most certainly worlds away from St James Place.”

  • a wealth of experience from all areas of financial planning

    “JPB are a small team who are passionate about what they do. Understanding the needs of clients – ensuring investments are safeguarded for growth and future needs. A friendly group, willing to listen, discuss and offer advice without any pressures. Having been with them from the start and with Phil previously, I have no hesitation in recommending them should you be seeking financial planning advice. Easy to talk to and with a wealth of experience from all areas of financial planning, offering clear independent advice tailored around a clients own circumstances.”

  • A first class service

    “A first class service given by the very knowledgeable and helpful Phil and his team.

    Our queries are answered quickly and our twice yearly meetings go through our investments and projections thoroughly and any changes required are put in hand straight away.

    Very happy clients.”