Will I be able to live and enjoy the life
I want in my retirement years?


Will I be able to live and enjoy the life I want in my retirement years?

When it comes to preparing for retirement, there isn’t a ‘one size fits all’ approach and everybody’s needs and objectives are different. It can be daunting, but planning for retirement is possibly the most important financial decision you will ever make and forward planning will help provide the reassurance of financial security in later years.

Whether you are just beginning to save for retirement, have multiple pensions you’d like to consolidate, or you’d simply like to talk to an experienced adviser to check that your current plans are on track, why not take advantage of our pension review service. It’s your journey, but let us help you to get there.

Let HB&O Financial Services answer any questions you may have

  • How much money will I need to retire?
  • What age do I want to retire?
  • How much should I be saving and investing today?
  • If I work for longer, or part-time in retirement, would it be beneficial?
  • How long will I need my money to last?
  • How much will I be able to afford to spend once I’ve retired?

A pension is a long-term investment. The fund value may fluctuate and can go down, which could have an impact on the level of pension benefits available.

Your pension could be affected by interest rates at the time you take your benefits. 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.

Contact Us

HB&O Financial Services
Highdown House
11 Highdown Road
Leamington Spa CV31 1XT

Tel: 01926 422292


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