Retirement Planning


No matter how you plan to provide for your pension income, you need to save enough money while you are working to ensure you have a sufficient level of income in retirement.

If you’re wondering how much you need to save, consider if your working life is 45 years and your retirement is approximately 25 years, to ensure you receive the income you want during those 25 years you are going to need to save a lot of money! You need to start thinking about the level of income you require in retirement and how much you can afford to set aside to achieve this.

Our pension specialists will help you through the complicated process of retirement planning by assessing your entire financial circumstances, from saving for your retirement, to investing your retirement savings.


Whilst any form of savings can be a source of pension income, a 'pension plan' can be used to build up money, which can be converted into an income in retirement. Pensions are among the most tax-efficient and effective ways to save for retirement. However, a poor performing pension can significantly reduce your pension income. Therefore, it is important to receive expert advice to ensure you have a well-funded and properly maintained pension fund to benefit from a well-earned retirement income. Downton & Ali Associates pension specialists can guide you through the various options available, based on your individual circumstances and identify the most appropriate retirement savings vehicle for you.
When it comes to retiring there are a number of options open to you and with the changes recently to how you can take the savings in your pension it is more important than ever that you take the right advice to make sure you are doing the right thing for yours and your families future. Downton & Ali Associates aim to provide a detailed and clear explanation of the choices available and how they affect you or your beneficiaries in the event of your death. We will guide you through the technical jargon and government legislation.
