Bath & City Financial

Are you shy about retiring?

You've heard about it on the TV and read about it in the papers. Britain is simply not saving enough for retirement. Companies are cutting back on pension provision for their employees and the performance of the stock market (where most of our pension contributions are invested) has been patchy over the last ten years. Added to which, pensions are complicated, with so many options and schemes available and the government continually tinkering with the tax and investment regulation. It's hardly surprising that many people are inclined to bury their heads in the sand when it comes to planning their finances for retirement.

It's all about maintaining lifestyle

When you come to retirement, whether you're looking forward to giving up work or dreading it, the chances are that you'll want to maintain a good lifestyle throughout your later years. In fact, many of us have grand plans for retirement.

• Travel
• Home makeover
• A special purchase
• To do those things we've always wanted to (but never had the time or money!)

Unfortunately, so many people on reaching retirement wished they had started planning sooner and had done more to secure their income in retirement.

The good news

All is not doom and gloom. The good news is that pensions are highly tax efficient investment plans and recent changes in pension planning open up many more options to those planning retirement. But with more options, it pays to get expert independent advice. Bath and City Financial are completely independent with no ties to any particular pension provider. We will give completely impartial advice best suited to your circumstances.

The pension plan that is right for you

At Bath and City Financial we recognise that everybody is unique. No two cases are the same. People have different ideas of what they want to do in their retirement, and people come to us with very different pension histories. Many people find themselves in the middle years of life with a variety of pensions from various employers plus perhaps some investments or additional contributions they have made themselves. Our advisors will show you how all these various elements can be turned into a clear pension strategy.

So don't be shy. Call 01225 475700 or drop into Bath & City Financial at 3 Wood Street to fix an appointment.

It's what we're here for- straightforward help in a complicated world.