Whatever you envision for retirement—whether that’s travelling the world, pursuing new interests, relocating abroad or simply having more time to enjoy life—the earlier you plan, the more choice and flexibility you will have.

At Brunel Wealth, we help you make the most of your pensions and wider investments so you can achieve the retirement you want with confidence.

Planning for retirement is often overlooked by busy business owners, yet there are valuable allowances and tax reliefs available that can benefit both you and your business. With the right advice, pensions can be one of the most tax-efficient ways to build and preserve wealth.

Our specialist advisers can help you:

  • Understand how much you can afford to contribute to your pension
  • Structure contributions in a tax-efficient way, including through your company
  • Navigate annual allowance rules and carry forward, avoiding unexpected tax charges
  • Understand current pension limits and how they apply to your circumstances
  • Use your pension strategically within your wider financial plan

We can also advise on how pensions can support your business strategy, including using pension funds to purchase commercial property or, where appropriate, support business growth.

 

Taking an income

From age 55 (rising to 57 from 2028), you can begin accessing your pension. We work with you to create a sustainable and tax-efficient retirement income tailored to your needs.

This includes:

  • Structuring withdrawals to make full use of tax-free allowances
  • Managing income levels to help minimise income tax
  • Combining pension withdrawals with ISA income and other investments for greater efficiency
  • Incorporating estate planning considerations into your income strategy

We also model your long-term financial position, helping you understand how long your money is likely to last and how much you can afford to spend each year with confidence.

 

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. For guidance, seek professional advice.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.

Past performance is not a guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.

The Financial Conduct Authority does not regulate estate planning, tax planning or cash flow modelling.