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Retirement planning

Retirement should be a time of freedom not uncertainty...

Planning for retirement is about more than finances. A well-considered retirement plan secures the lifestyle you plan for, supporting your loved ones, and enjoying the rewards that you’ve worked for. If you haven’t thought that far ahead and the thought of this fills you with uncertainty and dread, speaking to WPS Advisory could be the answer. 

Build the retirement
you deserve.

Personalised retirement planning
tailored to you.

Retirement services

Let’s explore your ideal retirement! We’ll work together to build a retirement plan that feels achievable, excites you and gives you confidence about your future.

  • Pension and investment advice – Tax-efficient savings, contribution limits and growth.
  • Succession planning – Structuring your wealth for future generations.
  • Cash flow modelling – Visualising your income in retirement and how it will impact your assets.
  • Annual allowance – Maximising pension savings beyond the £10,000 (higher earners/taxable income) or £60,000 (others) annual allowance, while remaining compliant.
  • Tax mitigation – Advice on how to reduce tax and structure your retirement income in the most tax-efficient way.

Take control of your retirement

Your retirement planning journey starts now. Talk with one of our retirement planning experts today and make sure you’re getting the most from your savings. We’ll help you build a secure and happy retirement, one that you can look forward to.

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Our services

Beyond growing your savings, we’re also here to help you plan retirement, protect your family, and secure your wealth.

Savings and investments

We offer expert advice to help your savings and investments work harder for you, focusing on tax efficiency, personalised strategies, diversification, and professional planning to help you achieve your financial dreams.

Plan your strategy

Tax and estate planning

We help you minimise unnecessary taxes and secure your wealth for the future. Our experts offer tailored advice on income tax, capital gains tax, inheritance tax, allowances, and comprehensive estate planning.

Plan ahead

Personal and business protection

We provide tailored protection solutions for individuals and businesses to ensure financial resilience against unexpected events, including life assurance, critical illness cover, income protection, and business-specific coverage.

Plan for uncertainty

The value of your investments 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.

FAQ's
When should I start planning for retirement

Ideally, the earlier the better! Starting in your 20s or 30s gives your money time to grow, but even if you’re closer to retirement, we can create a plan for you that will improve your financial outlook.

That depends on your lifestyle, expenses and income. We’ll use cash flow modelling to create a clear plan for steady, sustainable income in retirement.

Pension contributions have tax relief and tax free growth but understanding the allowances is key to maximising the benefits. We’ll show you how to make the most of your contributions and stay compliant.