Retirement Planning

We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Polestar can examine the best ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working. 

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Related Publications:

  • Investing for income when you retireInvesting for income when you retire

    There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. The decisions you make then could have repercussions for the rest of your life, and recently there have been some major changes to the choices you can make with your pensions. Your retirement could turn out to last considerably longer than you think.

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  • Pension freedom – drawing from your pensionPensions freedom – drawing from your pension

    The changes revealed just two years ago in the 2014 Budget were described by some retirement planning experts as a pensions revolution. The radical proposals came as a surprise and were designed to alter the retirement landscape by breaking the link between pensions and annuities.

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  • Workplace pensions and auto-enrolmentWorkplace pensions and auto-enrolment

    Automatic enrolment has ‘changed the UK workplace forever,’ according to the National Association of Pension Funds (October 2013). The Department for Work and Pensions (DWP) estimates that the new rules ‘could almost double private pension income by the time people now starting work reach their retirement.’ No employer – however small – can afford to ignore these changes.

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  • Pensions and tax planning for high earnersPensions and tax planning for high earners

    If you find more and more of your income is taxed at over the basic rate, you are not alone. The point at which you start to pay 40% income tax is £43,000 for 2016/17, which is lower than six years ago – it was £43,875 in 2010/11. You may also be feeling the impact of the tax on child benefit, which applies to those earning over £50,000, and you may be subject to the withdrawal of the personal allowance on income over £100,000.

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Interested in any of these topics?

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