Retirement Planning

Planning for tomorrow today, that will meet your income objectives in the future.

What Is Retirement Planning?

Retirement planning is about deciding now, what it is you want to do when you finish working and how much you might need to do it.

The reality is you need to invest as much of your income into a pension as you can. However, it is important to make informed decisions about how much you save and where. How you invest that money depends on your circumstances, and which kind of investments you feel comfortable with. This is related to your attitude to risk and is something we can help you with.

Understanding Your Options


There are many savings options available to you, such as a work based pension or a personal pension. It is your decision whether or not, or what you would prefer to contribute toward. However we can help you understand your options, explain what would be best for you given your circumstances and we will regularly review your situation to ensure you continue to save toward retirement in the best possible way.

Do not forget your pension can be a very tax efficient way to save, as the Government will give you tax relief on amounts up to current maximum limits.

If you are reaching retirement age, or have already retired, there are a number of new options available to you, such as flexible drawdown. It is important you consider how you generate an income from your pension fund as it needs to last the rest of your lifetime which could be until you are over 100 years old!

A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Questions you may wish to ask us

Which products should I invest in to utilise my tax allowance?

When I die, what happens to my pension fund?

Contact us now for a FREE initial consultation!

Oakleaf can provide expert advice in the following areas


Tax Planning

We all understand tax is used to pay for some really important things, such as hospitals, roads and schools, however none of us wants to pay more than we need to and, therefore, understanding what you should and what you should not pay, is important.


Wealth Management

Oakleaf is able to help you maximise your wealth, minimise the effects of taxation, arrange appropriate protection for you and your loved ones and help you achieve a bright financial future.



Many of us insure our cars, homes and mobile phones. However far too few of us insure something which is far more important… ourselves!


Get In Touch

Contact us now for a FREE initial consultation or call us on 0113 268 4341!

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Oakleaf Independent Financial Services Ltd

Authorised and regulated by the Financial Conduct Authority. Oakleaf Independent Financial Services Ltd is entered on the Financial Services Register ( under reference 707473.


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