Retirement planning

When it comes to thinking about your retirement, it’s never too soon to get started. Along with dreaming about where you might like to live, or all the things you’ll now have more time to enjoy, it’s key to start working out how much you need to live on comfortably, for as long as you need. And then, create a plan to achieve that.

Nowadays many of us choose to continue to work flexibly in our retirement; part-time, or self-employed. We also have more options available to manage our retirement income flexibly than ever before. Whilst all that flexibility is positive, it can appear that there are almost too many choices and options.

You may be a decade away from retiring, or only a year or two. We offer a full range of expert advice and services that cover every aspect of retirement planning, so you can control your income and estate with confidence, as you grow older. From maximising your pension fund, or even making sure that your employees get the best advice when they’re about to retire, let’s talk.

Choosing how we manage our money so that we have enough to live comfortably in later life is a highly personal choice. Whether you need to start planning, or take another look at your existing retirement strategies, we can help you make the most of your retirement from day one.

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

Our retirement planning advice and services give you the help you need to make the most of your retirement opportunities.

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.

Maximising your pension fund

Maximising your pension fund should play an important part in your planning. We offer help in tapering your annual allowance, carrying forward unused reliefs and protecting your lifetime allowance.

Planning your retirement

Successful retirement planning is about making the right decisions at the right time. We will discuss the opportunities open to you and outline which of our products best fits your circumstances.

Nearing retirement

As your retirement approaches, getting the right support can make a huge difference. We will give you specialist advice to help you understand everything from pension drawdowns to purchasing annuities.

Self-Invested Pension Plans

Self-Invested Pension Plans (SIPPs) can give a much wider range of investment opportunities than those available through most of the more traditional pension plans, including much greater flexibility.


Planning your retirement puts you in control, meaning you can be confident about your future security. If you don’t start planning now, you could outlive your savings, no matter when you intend to retire.


We work with employers to ensure they understand the pension requirements for their business. Pension legislation changed in 2012 and the introduction of Auto Enrolment effects all employers.


We offer expert and professional advice to the self-employed, which focuses on your individual requirements. When it comes to pension planning for the self-employed, a bespoke, personal approach is key.


We understand the concerns facing trustees and we’ve developed a number of solutions that can help. We will help you create a strategy for incorporating cost-effective actuarial and administrative services.