Pre and post retirement planning

What we can help you with

Full pension advice service for private individuals and business owners:

  • Personal Pensions Plans (PPP)
  • Self-invested Personal Pension Plans (SIPP)
  • Small Self-administered Schemes (SSAS)
  • Annuity purchase
  • Pension drawdown
  • Annual and Lifetime allowance
  • Death benefits

Why Thomson Hayton Winkley Financial Services?

When you are nearing retirement, we can help explore your options to find the solution that best meets your needs and circumstances. We will consider the options of taking benefits from your accumulated funds, including any tax implications, and other options which may be appropriate.

Even if retirement is still some way off, we can guide you through a range of investment strategies which are appropriate for your current situation and aspirations. Our technical expertise will guide you through both straightforward and more complex arrangements.


A pension is a long-term investment not normally accessible until 55 (57 from April 2028). Your capital is at risk. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change in the future.


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