"Making sure you achieve the type of retirement you have always wanted depends not only on how you have planned your finances, but also on when and how you choose to use your savings, including your pension(s), to provide an income."


Creating a detailed income and expenditure (essential & desired) plan over the foreseeable future will be important. This means determining the amount of money you will need to meet essential day-to-day living costs and how you use your savings and pensions to provide it. Equally you will need to look at how you meet the costs of the additional desirable things you may want to do, such as holidays and hobbies. 


"This is where Opes™ Financial's Life Plan™ service comes into it's own by mapping out and matching various pensions, savings and other assets to help you generate the most tax efficient means of achieving your goals and objectives."


Putting a plan into place will help you focus on what you may need from your savings to deliver the outcomes you want. With professional advice and careful planning you can maximise your retirement options and income.

With the introduction of Pensions Freedom, it is important that you understand the options available to you, both through any existing pensions and the wider open market, as the decisions you make at this stage could influence your income for the rest of your life.  With the right information and advice you will be able to decide the best way for you and your family to benefit most effectively from your hard earned pension savings.

There are many factors you will need to consider before making a decision about what to do with your pension savings.  The following are some useful points we discuss with clients in helping establish a suitable retirement options path. 


Do you :-


  • Need to continue contributing to pensions ?

  • Know if you are entitled to a state pension, when and what you will receive ? 

  • Wish to combine pension savings into one pension plan ?

  • Know how to trace pension savings you may have lost track of ?

  • Need to draw income or lump sums from pension savings yet ?

  • Want to carry on working and understand the impacts this may have where taking pension benefits ?

  • Know the best way to take pension income now and in the future based on your specific circumstances ?

  • Take benefits as a pension drawdown (multiple variations available), annuity, as cash or a combination ?

  • Understand how other investments can help achieve as tax efficient and as higher pension income ?


  • Need to provide for an income to your spouse, civil partner or other beneficiaries and dependents when you die and understand how to plan for it ?

  • Know how you can protect pension income against future inflation ?

  • Need to keep pension income options open ?

The answers to these and many more common factors to consider generally requires professional advice due to their nature and is where our expertise lies.  Opes™ Financial’s retirement options review service helps you by generating all data into a simple and concise format, making it easy for you to see the advantages, disadvantages, costs (existing versus proposed), features & benefits, as well as your options so you are able to then make an informed choice as to the best outcome and course of action for you.

Why not take a look at our brochure and wider support material via our Info & Brochures website page.

You should be aware that investments carry varying degrees of risk and as their underlying value can fall as well as rise you may not get back the full amount invested.

Call today, email us or complete our enquiry form and take advantage of our no cost, no obligation initial review service !

Opes™ Independent Financial Advisers Ltd, trading as Opes™ Financial is registered in England and Wales no. 10441148. Registered office, Opes House, Head Office, 178 Lancaster Road, Carnforth, LA5 9EF. Vat no 256693074.


Authorised and regulated by the Financial Conduct Authority. Opes Independent Financial Advisers Ltd is entered on the Financial Services Register under reference 763693.

The Financial Conduct Authority does not regulate taxation and trust advice or some forms of buy-to-let mortgages.

The quidance and/or information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.  Where information in any form is provided via this website referring to a third party or where a link to a third party website is provided we cannot be held responsible for the accuracy of such information or the content of any external website(s).

Where communicating with us initially online you should never send any sensitive information to us via conventional email unencrypted.  Sensitive information to or from us will/should only be sent securely via our 'Client Portal'.  We arrange registration on our Client Portal following completion of our enquiry form.  Therefore we cannot be held responsible for issues or consequences in this area where sensitive data is sent to us unsecurely or unencrypted.


If you wish to register a complaint, please write to us at the address above or email us at


A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at or by contacting them on 0800 0234 567.

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