Planning for retirement is a major financial milestone. At Ward Goodman, our pension and retirement planning services help you build a secure, sustainable income for later life. Whether you’re reviewing existing pensions, exploring income options, or planning tax-efficient withdrawals, our financial planners provide clear, independent guidance.
We simplify complex pension decisions by tailoring your retirement plan to your goals, timeframes, and risk profile. From reviewing preserved benefits to structuring personal or corporate pension arrangements, we ensure your strategy supports the lifestyle you want in retirement.
We work with clients across the UK, with offices in Ferndown and Shaftesbury, offering face-to-face meetings in Dorset alongside remote consultations nationwide.
Our experienced financial planners provide tailored retirement advice based on your financial position and long-term goals. We review your preserved pension benefits in detail, helping you understand your entitlements and explore the most suitable retirement income options, including annuities, drawdown and tax-efficient withdrawal strategies.
For those seeking greater control, we offer expert guidance on Self-Invested Personal Pensions (SIPPs) and Small Self-Administered Schemes (SSASs), as well as corporate pension planning for business owners. Through regular reviews, we ensure your retirement strategy remains aligned with changing regulations, market conditions and your evolving financial objectives.
A tailored retirement strategy built around your lifestyle goals, income needs and planned retirement age.
Clear guidance on existing pensions, helping you understand your options and consider whether consolidation could simplify your arrangements.
Advice on annuities, drawdown and tax-efficient withdrawals to create a sustainable income in retirement.
Expert support with SIPPs and SSASs for those seeking greater control and flexibility over their retirement investments.
Strategic pension solutions for business owners, designed to benefit both employers and employees.
Regular reviews to ensure your retirement plan remains aligned with changes in legislation, markets and your personal circumstances.
Ward Goodman’s excellence in accounting services is validated by notable awards and accreditations within the UK financial industry.
Ward Goodman was honoured with the prestigious Accounting Excellence Award,
We are accredited by the Association of Chartered Certified Accountants (ACCA)
Ward Goodman proudly holds membership with the Institute of Chartered Accountants
As a distinguished Partner, we utilise cutting-edge technology
Join Ward Goodman and experience the benefits of our pioneering approach in financial planning, wealth management, accounting, and tax advisory.
Ward Goodman has a simple but effective onboarding process making this hassle free for you. At Ward Goodman we can deal with any existing advisers to help with a smooth transition
Reach out through referrals, introducers, or our website.
We offer a no-cost, no-obligation meeting at one of our offices.
Provide necessary details, receive a quote, and initiate services upon acceptance.
If you would like to discuss your accounting requirements further, please book a meeting with an experienced member of our team. Simply let us know when’s best for you and we will get in touch to arrange a suitable time.
You can access your pension through annuities, flexible drawdown, or lump-sum withdrawals. We help you understand which option best suits your financial goals.
We review your preserved pension benefits in detail to check they align with your retirement objectives. If needed, we suggest adjustments to improve performance, flexibility, or tax efficiency.
A SIPP – Self-Invested Personal Pension – is an individual plan offering a wide range of investment options. A SSAS – Small Self-Administered Scheme – is designed for business owners and directors, offering greater investment control and flexibility for company-related pension planning.
Tax efficiency can be improved by making the most of pension contribution allowances, structuring withdrawals to reduce tax liability, and considering inheritance planning strategies.
While you can plan your retirement yourself, a financial adviser can help maximise returns, manage tax, and create a personalised, sustainable income strategy.
In most cases, you cannot access pension funds before age 55 (rising to 57 in 2028) without significant tax penalties, except in cases of ill health or certain protected rights.
Pension drawdown allows you to keep your pension invested while taking a flexible income from it. This offers more control but also carries investment risk.
Your pension can be passed to nominated beneficiaries. If you die before age 75, it may be paid tax-free. After age 75, beneficiaries usually pay income tax on withdrawals.
The annual allowance is typically £60,000, but may be reduced for high earners. Unused allowances from the previous three tax years may be carried forward.
It depends on your circumstances. Delaying your State Pension can increase your future payments, while salary sacrifice can boost your pension contributions and reduce income tax and National Insurance. The best option will depend on factors such as your health, income needs, and tax position. A personalised review can help you compare the potential benefits of each.
Bringing overseas pensions or investments back to the UK can have tax implications and may require specific transfer routes. We review your assets, assess the tax position, and guide you through the safest and most efficient way to repatriate them.
Your annual allowance depends on your earnings, contributions, and whether the tapered allowance applies. We calculate your remaining allowance – including any carry-forward from the past three years – so you can contribute confidently and tax-efficiently.
Selling an inherited property may trigger CGT, while your SIPPs and SEIS investments come with their own tax rules and allowances. We review everything together to ensure your retirement and investment strategy remains tax-efficient and aligned with your goals.
Pension sharing orders, transfers, and settlement structures can all affect your future retirement income. We help you understand the value of your share, how to transfer it, and how to rebuild pension savings after divorce.
