Financial planning for everyone


Building assets are an essential of retirement planning, whether it be through pensions, ISA’s or property we will help you establish your retirement income need and the various ways you can accomplish it.

Pensions Options

Pre & Post Retirement Planning

Retirement planning is an important part of your overall financial planning and normally comes down to two elements.  First, planning in advance to help you generate the retirement income you want, and second, planning when you reach your chosen retirement age. This involves organising your assets so that you can achieve the financial returns you need to support the lifestyle you want.

Pensions are currently one of the most tax efficient ways of saving for retirement but due to changes to the pension rules by successive governments, the options available can be extremely confusing. Since the introduction of the new pension freedoms in the 6 April 2015 Budget, there are more options that give you more flexibility about when you can take your pension and what you can do with it. Because of the extensive range of options available, you may well need retirement planning advice. For example, whilst options such as income drawdown offer a great deal of flexibility, you need professional guidance to be aware of the risks.

James & James Financial Advisers are here to help.  We can guide you through the complex pension legislation to help you get the outcome you desire in retirement. We have the skills, qualifications and track record to assist you with achieving your goal. Jim Whearity, company founder and pension specialist, can offer advice on planning for your retirement. He can assist with reviewing your existing arrangements, implementing any new pensions and building a retirement fund. Jim will ensure you are aware of what is required to help you achieve the lifestyle you desire in retirement.

At James & James, we can also help you if you need pension transfer advice Of course, retirement planning nowadays is not just purely about pensions. ISAs come into the equation too and for an increasing number, equity release schemes are also becoming a serious option.
It is never too early to start thinking about your retirement planning. Even if you already have a pension scheme, we recommend that you should have a regular review to ensure you are on course to achieve your desired level of retirement income. And once you reach retirement, you are then faced with some very important decisions on how best to access your pension benefits.

With the government increasing state pension age, and with people of pension age living longer, sound pension advice is essential. Contact Jim Whearity now to discuss your pre- and post- retirement planning options, or if you are looking for advice in the specialist area of pension transfers.


How can we help?


We are always happy to meet and discuss your situation.

Phone Call

Our team is always on ready at the end of the phone.


We will use our years of industry experiences to come up with new ideas and options for you.

Get In Touch

Call us today on 01572 368278 or go to our contact page for more ways to get in touch