Your Retirement Pot

If you’re approaching 55 or about to retire, Clifford Osborne can tell you more about what you can do with your retirement pot. Book a review meeting today.

Approaching 55 or about to retire?

Under age 55*

  • You can’t release or cash in your pension (unless you’re too ill to work)*

  • You can use your pension pot to buy a fixed secure regular lifetime income for the rest of your life (annuity purchase)
  • You can transfer your pension from one regulated scheme to another*green tickYou can use your pension to provide flexible retirement income (flexi access drawdown)
  • You can take your pension as cash in stages (uncrystalised pension fund lump sum) UPFLS

  • You can take the whole pot in cash at one go

There may be tax implications for how you access your savings.

Clifford Osborne are regulated financial advisers and are authorised by the financial conduct authority (FCA). You should consider taking independent financial advice before making a decision that could affect the rest of your life.

Don’t Get Stung

Don’t get caught out by pension scams – read our short post and if you don’t talk to us make sure you speak to a Regulated Independent Financial Adviser.

Your Advice Steps

01 ➔

Contact Us

Call us on 01323 403 444 or contact us to set up a free initial meeting with one of our financial advisers or mortgage and equity release advisers. We’re happy to meet in person, on the phone or online. Just let us know what you prefer.

02 ➔

Get to know you

This will be a chat to find out a bit more about you, what your financial position and goals are and how we can help. This will be entirely confidential, and you are under no obligation to use our services. We will then give you a plan of what we can do to help.

03 ➔

Sharing your plan

Our advisers will talk through our recommended plan with you giving options to best meet your needs. We will take into account your current financial situation, your goals, appetite to investment risk and timeframes. You will have a chance to ask us any questions and then decide whether you want to go ahead.

04 ➔

Regular reviews

Your financial position will change throughout your lifetime. We are here to help you with regular reviews to make sure your financial plan meets your financial goals and current financial situation. We’ll agree with you when and how we meet on a regular basis to make sure your management plan is right for you.

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    We are not tied to any financial institution and therefore offer you truly independent advice

    A free, initial no obligation review meeting can take place at our offices in Eastbourne East Sussex, at your workplace or in the comfort of your home.

    If you are considering taking independent financial advice we would love to talk to you. Call us without obligation or complete the enquiry form and we’ll contact you as soon as we can.

    We are happy to serve clients with any level of wealth.

    Call 01323 403 444 or use our secure form via the button below.