Retirement Planning Advice in Scotland | Aberdein Considine Wealth

Make your twilight years your highlight years

Retirement Planning

Our independent financial advisers are here to help you make a retirement plan that truly fits your needs, both today and in the future.

Our approach is simple; we listen, we understand, and we advise, so that together we can build the correct pension, investment and saving strategy to give you the lifestyle you want when you retire.

And because life is rarely straight-forward, we are always on hand – at the end of a phone or email – to help evolve your plans around whatever life throws at you.

Our mission is to help our clients make smarter and better informed decisions around their retirement plans, and you can be assured of a highly personal and wholly independent service.

Making the most of your money

Much of retirement planning evolves around pensions and tax allowances – maximising both is key.

You have a number of options available to access your pension from as early as 55. Your existing pension provider may offer you any of the following options:

  • Annuity – which is the traditional way to access your fund, providing a guaranteed level of income for life.
  • A lump sum – withdrawing up to 25% of your fund tax free.
  • Flexi-access drawdown – taking what you want, when you need it.
  • Phased tax free cash with income.
  • A combination of the above or a partial transfer – using part of your fund for one of the above options.

Alternatively, you usually have the option to transfer to another provider, who may offer more flexibility or better charges / annuity rates.

It all sounds a little complicated, but together we can map out a plan – taking in your savings, investments and other assets, to guide you in the right direction.

Why choose us?

Our client promise

At Aberdein Considine Wealth, we have a simple five-point promise to all of our clients.

  • "Even though I was late in seeking retirement advice, Aberdein Considine Wealth was able to get my plans back on track. They helped me consolidate three small pensions into one pot which is now really delivering for me."