Planning for retirement

The further you go through life, the more you start thinking about what you want your retirement years to look like. With some careful financial planning, you can put yourself in the best possible position to be able to afford the retirement you’ve dreamed of.

For the future you want

Retirement means something different to everyone, and we truly believe it can be whatever you make of it. All you need is a plan, and the sooner you start to get organised, the better.

We help people financially prepare for and achieve the retirement lives they dream of. We’re here to help alleviate any worries you may have around this time, and leave you feeling confident and secure for the future.

You might be asking…

Should I consolidate my pension pots?

While consolidating pension pots can make things much easier to manage, the benefits need to be weighed up against the potential downsides, so you should seek professional advice.

How much will I need to retire comfortably?

We will work with you to calculate how much is enough for your retirement, so you can still enjoy a fulfilled lifestyle.

Will I have enough to be able to do the things I want?

Our financial planners work with you to understand your goals, and once that’s done, they can take steps to put your finances in the right shape to achieve them.

Should I transfer my pension?

You might face costly exit fees if you transfer away from your current scheme, so it’s best to speak to a financial planner to ensure you’re making the right decision.

Am I paying too much tax?

If you’re unaware of the tax reliefs and allowances that might apply to you, our financial planners can look at your circumstances and recommend ways to take advantage.

Can I afford care in later years?

Many people underestimate how much later life care will cost, but our experts can build this into your personalised financial plan so you’re fully prepared.

How we’ll help

We work with our clients to create a tailored financial strategy around their needs and goals. That might entail the following:

Understand your position

We’ll review your current financial situation and build a clear picture of what you have in relation to where you need to be.

Explore your goals

We’ll dig deep into what your ideal retirement looks like, including the kind of lifestyle you’d like to maintain.

Build your plan

We’ll create your personalised financial plan, designed to take you from where you are now to the retirement of your dreams.

Stay on track

With regular reviews, we can ensure your plan stays fit for purpose and aligned with what you’re working towards.

Tax treatment varies according to individual circumstances and is subject to change.

The experience has been second too none, we have been kept informed of every step and progress made. Scottsdale staff have been courteous, polite and helpful throughout. We would not hesitate to use Scottsdale again.
Thank you to Ellis, Karen, Donna and staff for all your support through this process.

Mr & Mrs F

Stephen is a professional, knowledgeable, thorough and diligent adviser. He takes the time to get to know his clients and is, thus, able to reflect their values in his product suggestions. Stephen has successfully guided me through various national financial crises, personal crises and redundancy with consideration and confidence, Stephen's outstanding professional abilities are combined with a strong desire to achieve the best results for his clients . I continue to receive trusted, in depth advice at a time and location to suit me. This is the gold standard of financial advice.

Ms S

Right from the ‘get go’ Stephen was quick to put my worried mind to rest, explaining the process, options and benefits of each. His style is warm and open, answering all questions posed without haste or omission, dispensing guidance and direction along the way with no hint of urgency or sales patter. Ultimately after a couple of home visits we agreed on the best way forward, to my complete satisfaction. This was not the end of the story, he still keeps in touch to let me know how the pension is developing and any news of the industry that could affect me directly. In closing, if you are apprehensive about sorting your pension needs, then I would highly recommend him to you. He is honest, hardworking, professional with a friendly warmth that is rarely found in business these days. I am so very pleased I made his acquaintance.

Mr L

Stephen has been offering me financial advice and managing my investments for 8 years. I am always completely up to date with where I stand financially and never afraid, or embarrassed to ask very basic questions – Stephen makes the whole process easy to understand. He has taken the time to understand my attitude to risk and my financial aspirations for the future, so I am always confident that he will advise me in my best interests. On top of all of that, he’s approachable and great to deal with – which makes life so much easier.

Mrs C

After nearly 47 years in the packaging industry my long term employer offered me an enhanced lump sum for my pension. Luckily I have several friends in the village who had previously been in similar positions and they recommended that I talk to Stephen Cooper. He and I had several lengthy meetings after our introduction and in those his advice has always been clear, concise and in terms that I could understand. We covered tax liabilities, capital gains tax and many other issues covering methods to maximise returns on my lump sum. Coupled with this I have always found him timely with his guidance and as a result I recommended to my son that he should attend the last face-to-face meeting I had with Stephen which he did and he found it extremely useful in planning his financial future.

Mr B

Sam is extremely knowledgeable and patient when explaining the options we had for our retirement income after we made the decision to realise the benefits of our capital. He is extremely thoughtful and explained our options fully. His help has enabled us to make decisions on our pension which we were unaware of until all options were explained fully to us and for this we are extremely grateful to him. We cannot fault Sam's commitment to getting to the correct end result.

Mr & Mrs K