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Retirement planning.

Make the most of your retirement funds

Whether you are approaching retirement or you still have a long way to go, the sooner you start planning the better. That's because the more you’re able to put away now, the longer you have for your investment to grow (while still allowing for fluctuations in the market).

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How to plan for your retirement

Retirement planning doesn't only mean having a pension. There are many ways to put money aside for retirement such as pensions, investments, property investments and savings. The more you accumulate and plan now, the easier it will be for you in retirement.

There are also multiple types of pensions such as personal or corporate, and we will help you maximise your annual pension allowances to ensure you benefit from the associated tax reliefs at your highest marginal rates. You could potentially secure your retirement years early with the proper approach and strategies as pensions help you accumulate and preserve your wealth at a faster rate.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and the value may therefore fall as well as rise.  You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief depends on individual circumstances.

Some of the services we can offer you

Personal pension

Whether you want to take early retirement or accumulate your wealth at your own pace, personal pensions are an excellent way to do it. Setting up a personal pension (e.g. because you’re self-employed) allows you to be in control of your retirement and future income.

Corporate pension

Ensuring you have the right workplace pension scheme for you and your employees is vital. Through careful planning and distributing money correctly, you are able to make tax savings for you and your company, while helping to secure your employees’ retirement.

Investments

Investing provides the potential to make your money grow-long term, whether it’s through ISAs, bonds, or trusts. The key is knowing where to invest and ensuring every pocket of money is correctly placed. This allows for the best potential long-term results, that could provide a second income for you when you retire.

Buy-to-let mortgages

Many of our clients are interested in exploring the option of a buy-to-let mortgage. This gives you the option of either living off the rental income or selling your property to receive a lump sum when you retire - or to provide an inheritance for your children. No matter what stage you’re at in life, we can help you plan for the future so your retirement goals can become a reality.

Your home or other property may be repossessed if you do not keep up repayments on your mortgage.

Some Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.

Savings

Putting money away for a “rainy day” is something many people do. However, often that money is left idle in a bank account.

We can introduce you to a simple, convenient and innovative solution. The SJP Cash Deposit Service, powered by Flagstone, makes your cash work harder. It’s a safe online cash management platform where you can help maximise your interest easily.

The minimum deposit required to open an SJP Cash Deposit Service account is £50,000 for personal clients and £250,000 for corporate and charity clients. This involves the referral to a service that is separate and distinct to those offered by St. James’s Place.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

How Hansa Wealth Management can help you

Often, people have multiple pension schemes from previous jobs. One of our key services is moving pensions to help you reap the rewards of having your money properly organised. There is often money "left on the table" and we are here to ensure that, to the best of our ability, that doesn't happen.

We understand this can feel daunting, but that's what we're here for: to create a bespoke and tailored approach for your retirement plan that's based on your personal circumstances, age, goals for retirement - and whether you want to put money aside for your family to inherit when the time comes. Ultimately, it's all about your personal life journey.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

A older adult mother and daughter leaning on each other on a beach-side walk

The sooner you plan for retirement, the more you could benefit

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Contact us.

Contact us.

Get in touch

You can make an enquiry using the form on this page.

Or you can arrange a no-obligation 30 minute telephone consultation. Just choose the book a call option and select a date and time that works for you using the calendar.

Alternatively, you can get in touch using the details below:

Phone:
0208 081 0111

Mobile:
07751 706716

Email:
Hansa.Hirani@sjpp.co.uk

Make an enquiry
Book a call

You can make an enquiry using the form on this page.

Or you can arrange a no-obligation 30 minute telephone consultation. Just choose the book a call option and select a date and time that works for you using the calendar.

Alternatively, you can get in touch using the details below:

Phone:
0208 081 0111

Mobile:
07751 706716

Email:
Hansa.Hirani@sjpp.co.uk

Hansa Wealth Management together with St. James's Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see our Privacy Policy or the St. James's Place Privacy Policy.

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