PENSIONS & RETIREMENT

How Can We Help?

With increasing life expectancy and frequent changes to pensions legislation, it is more important than ever to get expert advice.

The subject of pensions can seem daunting, and many people put off making a retirement plan. But a few changes now can make a big difference to your future.

Just Financial Group can help you prepare for your ideal retirement.

Saving for Retirement

The State Pension is the main source of retirement income for a lot of people in the UK. While it can provide a solid financial foundation from which to build, it is not enough for most people’s desired standard of living. Auto-enrolment has helped to bridge the gap for some investors, but not everyone is eligible, and the minimum contributions are unlikely to fund your dream retirement.

At Just Financial Group, we can help you identify how much you will actually need in retirement. From here, we can establish how much you need to save every month to achieve this, and where it should be saved. The State Pension and any employer provision will form part of the picture, as will your existing investments. We will then review your plan regularly to ensure you remain on track and recommend any appropriate changes.

Approaching Retirement

As you approach retirement, expert financial advice becomes even more important. You will need to make complex decisions, such as whether to take your Pension Commencement Lump Sum or Tax Free Cash all at once or in stages. You may require a guaranteed income, or perhaps the ability to vary your withdrawals is more important. 

Your retirement decisions will affect your lifestyle and some of these decisions are irreversible, so you need to make sure they are right.

Just Financial Group can help you understand your options and recommend the best retirement income strategy. Your retirement plan will be unique to you and may involve combining income from multiple sources such as pensions, ISAs and investment bonds. By structuring your income efficiently, we can minimise tax and ensure that you don’t outlive your money.

Retirement & Beyond

Making decisions for your retirement is just the first step. Pensions are more flexible than ever and may only form part of your retirement strategy. Regular reviews can help to ensure that you stay on track to maintain a comfortable retirement.

Just Financial Group can help by assessing the suitability of your strategy, taking into account any changes to your circumstances, legislation or investment performance.


Some clients find they do not need all their pension savings to provide for their desired lifestyle in retirement. In this situation, pensions can be a very tax-efficient method of passing assets to your family. With correct planning, we can help you to pass on wealth to future generations.

Start a conversation and find out how we can help you.

Start a conversation and find out how we can help you.

Untitled-1 copy1

Glasgow: 0141 465 9999
Edinburgh: 0131 322 3999
London: 0203 319 9319
Manchester: 0161 393 9870

info@justfinancialgroup.co.uk

200 Bath Street, 2nd Floor, Glasgow G2 4HG

Legals

Just Financial Group Ltd is authorised and regulated by the Financial Conduct Authority. FSR reference number 739938.

Registered in Scotland. Company No. SC524886. Registered Office: 200 Bath Street, 2nd Floor, Glasgow G2 4HG.

The value of investments and income from them can go down as well as up and investors may not get back the amount originally invested. Past performance is not a guide to the future. The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to future change.

Advice on Taxation and Trusts is not regulated by the Financial Conduct Authority. All information on this website is intended for general information purposes only and should not be considered as a personal recommendation. No decisions should be taken based solely on the content of the website and individual advice should be sought first.

© Copyright 2020 Just Financial Group – Developed by Blue Whale Media