Though it’s not something we like to think about while we’re young, not saving enough for retirement might just be a huge problem later in life. Even if the results aren’t catastrophic, they certainly won’t be in your favour.

No matter what you may have heard, it’s never too early or late to start thinking about your life after work. Rather than putting it off…and then putting it off again…why not set up a structured retirement plan this year?

The value of investments can go down as well as up and you may get back less than the amount invested.


Impartial pension advice of the highest quality


We know what you’re thinking...
"Can’t I just live off the state pension?"

The future of ageing populations

As life expectancy continues to increase, so to does the state pension age. In 2020, it will reach 66 years for both men and women, just six years later, there’s a potential of it hitting 67. This is great news for those who want to continue working, not as good if you want to retire.

Did you know that around 25% of people realise that the state pension alone isn’t enough to survive? Consequently, they’re forced into working longer to make up for the years they’ve missed. Not only is this not exactly an attractive proposition, what happens if you become ill and can’t work?

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Most retired Brits rely on their annual £8,000 state pension. There’s no universal figure for a ‘comfortable’ retirement since costs can vary with utility bills, housing, food, and other expenses. What’s more is that you need to consider nursing care and potential medical costs as you age.

Ease the Pressure

When you pay into a pension, all contributions provide tax relief at the highest rate of income tax you pay. Also, the security and peace of mind it provides is invaluable. However, we understand that making the right decisions in this area can be daunting with the pension landscape so dynamic and complex. How are you supposed to make the right decisions with regards to retirement annuities, investments, and even private pension plans? We recommend partnering with qualified, experienced, and independent financial advisers.

At Godiva Wealth Management, our specialist independent pension consultants can simplify the process and take the burden from your shoulders. Get past the financial jargon, allow us to sort all the paperwork, and smile in the knowledge that you’re going to enjoy a comfortable retirement.

Free Consultation


At Godiva, we offer a tailored service that helps you reach your retirement goals

We offer independent pension and retirement advice, meaning that we can look into all possible choices available on the market to give you the best advice for your circumstances. Some of the areas we can scope include;
• Personal pensions
• Final salary pensions
• Defined benefit pensions
• Annuities
• Pension transfers
• *Defined contribution (money purchase)
• Defined benefit (final salary or career average)

Types of defined contribution pension include;

• Executive pension plan
• Group personal pension
• Master trust pension (e.g. NEST, NOW pension, the People’s Pension)
• SIPP (Self Invested Personal Pension)
• SSAS (Small Self-Administered Schemes)
• Stakeholder pension

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To find out more, simply contact our pension scheme experts today, and we’ll point you in the right direction

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