Giving you the freedom to step back from work on your terms, maintain your lifestyle, and pass wealth on to the people you care about.
Retirement planning is about giving yourself choices. Not just a pension pot, but the freedom to step back from work on your terms, maintain your lifestyle, and pass wealth on to the people you care about.
For most people, a pension is the largest financial asset they will ever own outside of their home. Yet it is also one of the most misunderstood. Rules around contributions, tax relief, access, and inheritance have changed significantly in recent years, and the decisions you make can have a profound and lasting impact.
At RowanTree, we help you cut through that complexity and build a plan that reflects your life.
Good retirement planning is not a one-off conversation. It is an ongoing process that evolves as your circumstances do.
Understanding how much you need, how to get there, and how to make the most of available tax relief, whether you are employed, self-employed, or running a business.
Many people accumulate pensions from multiple employers over a career. We review what you hold, whether consolidation makes sense, and what any transfer might cost you.
From age 55 (rising to 57 in 2028), you have options but not all of them are equal. We help you understand drawdown, annuity, tax-free cash, and sequencing.
In retirement, it is not just about what you have. It is about what you keep. We look at how to draw income in a way that minimises your tax burden.
Since April 2024, pensions have become an even more powerful estate planning tool. We ensure your nominations are in order and your pension fits within a broader inheritance strategy.
Retirement planning is relevant at almost every stage of adult life, not just when you are approaching the end of your working years. Whether you are in your 30s and wanting to get the foundations right, your 40s and catching up, or your 50s and 60s and beginning to think seriously about what the next chapter looks like, we can help.
Pension legislation is among the most frequently changed areas of UK financial law.
The rules around annual allowances, carry-forward, the money purchase annual allowance (MPAA), and the new lump sum allowances, can be genuinely difficult to navigate without specialist support. Getting it wrong can mean unnecessary tax charges or missed opportunity. Getting it right can be transformative. That is what we are here for.
Get in touch with the RowanTree team for a free, no-obligation conversation about where you stand and what is possible.
