Step into your retirement with unprecedented freedom! The pension freedoms unleashed in 2015 put the reins in your hands, offering unparalleled flexibility to sculpt your ideal retirement income. But it's not just about enjoying the journey; it's about ensuring your wealth aligns with your dream lifestyle for as long as you need it.

Imagine a retirement where your income adapts seamlessly to your evolving plans and lifestyle – that's the beauty of pension flexibility. Yet, amid the excitement lies a challenge: navigating a sea of pension products and unpredictable factors like inflation and tax.

Here's the exciting part: with our expert financial planning, this journey becomes a breeze. We're not just here to secure your retirement; we're here to amplify it. Picture a life where your wealth not only supports your dreams but creates a legacy for those you love.

Picture this: a retirement where you're not just financially secure but thriving, with the freedom to relish each moment. It's not just about pensions; it's about crafting a comprehensive strategy that fortifies your assets, ensuring they not only support your present but also pave the way for a legacy that echoes your values.

Your retirement is a masterpiece in the making, and we specialise in crafting a strategy that ensures your assets stand the test of time. Ready to turn your retirement dreams into reality? Let's build a future that's as extraordinary as you are.

You may find it helpful to see some of the FAQs around retiring that we get asked:

• Can I increase the amount of income from my capital during times that interest rate are low?
• What can I do to protect my pension from rising inflation?
• My amount of income tends to fluctuate. How can I make it consistent and also tax-efficient?
• Can I reduce the risk of investing at the wrong time or in the wrong thing? It seems such a lottery.
• How do I create an income in retirement that fits with my views on risk, but will last my lifetime?
• I’ve put aside some extra capital in case I need long term care. How can I minimise my Inheritance Tax liability on it?
• I want to gift money to my grandchildren each year for their education, but they’re too young to look after investments. What should I do?
• Is there another way to help my loved ones, apart from gifting?

We can help answer any one of these questions, and many other areas of financial planning that you might feel unsure about. There are ways you can optimise your personal financial situation, especially around tax planning, and we would be happy to take you through them.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

Equities do not have the security of capital which is characteristic of a deposit with a bank or building society.

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.