Stocks and Shares

Stocks and Shares


When it comes to retirement planning, pensions are a small part of the decision process.

Retirement planning is about looking at how you live your life now, how you would like to live your life in the future and how together these goals can be achieved.

Whether you’re...

  • planning your retirement and deciding when that day may be
  • reviewing your current provisions to ensure they’re sufficient enough to achieve your retirement goal
  • considering starting a pension and looking to start a retirement plan
  • reviewing a number of different pensions in various places

MN Consultancy is here to helping you clarify your goals, both now and in the future, we can help you prepare for a fulfilling life after work.

In April 2015 there was significant reforms surrounding withdrawing and inheriting pensions, which represent the biggest changes to pension legislation in over a century. Used appropriately, the new rules could make a significant difference to you, your beneficiaries and future generations of your family.

Often a pension fund is the largest investment an individual will have, yet without appropriate planning, many people could outlive their savings. The new reforms put financial control in the hands of the retiree, but faced with more freedom of choice, many people may struggle to make the right decisions and be left with less income that originally planned as a result.

When the big picture is taken into account, considering pension investment options as well as the three main taxes being Income Tax, Capital Gains Tax and Inheritance Tax, the right retirement income solution for one individual could prove comparatively disastrous for another and their beneficiaries.

MN Consultancy can provide a full review of your existing pension arrangements taking into account your overall retirement goals, and will recommend the most appropriate course of action to ensure you gain the most from the pension legislation changes without making costly mistakes.

We will start with an initial meeting and look at your current situation. We will discuss with you your goals and what life will look like for you in retirement.

We will build you a financial plan which will take into account your current provisions and whether that is sufficient to meet your needs.

We will obtain a forecast on your state pension provision.

We will take into account all your other financial commitments along with your savings etc.

We will work with you to help you achieve your goal with regular reviews

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

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MN Consultancy Limited is authorised and regulated by the Financial Conduct Authority (FCA),
which can be viewed at under reference number 528180.

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