Pension

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

Planning for retirement

Retirement is a major change in a person's life. It may be something you're looking forward to, however, it can raise many questions about your personal finance's. We're now seeing a lot of changes to the laws that govern pensions. So it's even more difficult to stay on top of things and make sure your money is working as hard for you as it can. That's where we come in. We'll work with you to understand your hopes and goals and put in place a retirement plan that looks after you long after you've retired.

Most people will have a personal or workplace pension pot, but there are decisions you can make at every stage of life to get the most money possible when you retire.

Plan for the future, including setting an age you would like to retire, and make sure you are able to achieve that goal.

Find out if you should combine any pension pots you have, or leave them as they are. A specialist financial adviser for pensions has qualifications and a vast knowledge of the market.

Our advice process will help you to understand the wide range of choices once you reach retirement age, including annuities and investments. You are able to benefit from bespoke personal financial advice rather than generic information out there.

If you want to make investments for your future an adviser will help you to understand the different types of investments and the benefits and risks involved in each.

At Hartley Associates we provide a bespoke service where we look at your individual circumstances, providing personalised advice.