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RETIREMENT PLANNING

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Enjoy the retirement you always dreamt of

Expert retirement planning advice is invaluable for those who wish to ensure that they can live comfortably in their later years.

The pre-retirement phase is the time to consider whether you are saving enough to provide you and your dependants with enough income to maintain your lifestyle. We will help you review your existing pension provision and, if appropriate, direct you to arrangements better suited to meeting your objectives.

It is equally important to consider the post-retirement phase and to look at how you will convert your savings into a retirement income. This is an increasingly complex area, and getting the right guidance is crucial. Lifelong planning areas that we can help you to consider in the context of your individual circumstances include:

  • Retirement and Cashflow modelling
  • If or when to purchase an annuity (a guaranteed level of income for the rest of your life)
  • Whether to take a tax-free lump sum (and how much to take)
  • Whether to leave your pension assets invested and draw an income from them (income drawdown)
  • How your retirement fund fits in with other savings and sources of income.
  • Maximising tax efficiency

If you would like unbiased financial advice about lifelong planning for retirement, please get in touch with us to understand in more detail how we may be able to help you.
 

  • The tax treatment is based on personal circumstances and current legislation, which is subject to change.
  • The value of investments and any income from them can fall and you may get back less than you invested.
  • No investment is suitable in all cases and if you have any doubts as to an investment’s suitability then you should contact us.
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Planning your financial future as if it’s our own

This is not a meaningless slogan, thought up by marketing experts. It is genuinely how we work. When you become our client we effectively step into your shoes and ask ourselves constantly, ‘given these circumstances, what would we do in your position?’

This remains our long-term commitment to you and applies to all, whether you are a private or corporate client.

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Est. 1986

35+
Years of
financial expertise

We’re proud to have been serving our clients for over 35 years, and it doesn’t stop there.

The investment solutions, tax planning strategies and processes we implement for our clients are exactly what we do at a personal level.

We can think of no better endorsement than that.

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OUR FINANCIAL ADVICE SERVICES

Our financial services are designed to put you first and determine the most effective way to achieve your goals. It’s expert financial advice unique to you.
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Financial Planning

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Estate Planning

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Retirement Planning

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Protection Planning

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Investment Planning

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Corporate Services

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START YOUR JOURNEY WITH US TODAY

We understand that financial planning can be complex, if not daunting. Our goal, together with you, is to help guide you to a secure financial future, allowing you to confidently enjoy today, and tomorrow.

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WHAT OUR CLIENTS ARE SAYING

Happy clients are the bedrock of any business and ours is no exception.

My wife and I have been personal clients of JMA for all it’s 25 years. The cyclical nature of our economy has meant several periods of national financial turbulence and anxiety. Such a long association has enabled the soundness of the advice given, to be demonstrated by the performance achieved.

 

 

Trevor Phillips, Surrey

 

Having been badly let down by our previous adviser, and lost a lot of money because of his unprofessional self-interest, we were determined to appoint financial advisers who could provide a flexible service tailored to our individual needs. JMA have exceeded our expectations in all respects.

 

 

Bill & Sue Colledge, Surrey

 

 

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