When you want to retire, we’ll help you plan how to manage your money for the years ahead. This could involve taking a cash lump sum, an annuity, or using Income Drawdown. When giving advice, we’ll also take into account other savings and investments that you may hold. We believe in looking at the bigger picture to ensure that you don’t run out of funds in your later years.

The cost of long-term care is often a big concern for families.  It’s estimated that one in four of us will require care or nursing support in old age.  We help families consider the options available to them, including ‘immediate need care fee payment plans’, a type of annuity contract that produce a regular guaranteed income that can be used to pay care costs.