The risk of leaving your pension too late

Taking the time to manage your investments early can make an enormous difference to your emotional outlook towards the future.  The risk of leaving your pension too late is a real one.

The amount you need to retire depends on many factors including what age you’d like to retire, what income you’ll need and any assets you may have. You may plan to reduce your spending or you may want to maintain a certain standard of living you have become accustomed too. Whatever your personal aspirations for retirement, determining the best route to achieve your goal takes careful, early planning. Speaking to an expert can give you that piece of mind and make you feel confident you will be financially able and ready.

Try our Wealth Calculator to see how, if or when you can retire>>

There are many financial plans to make your pension work harder and it is the role of our Independent Financial Advisers to determine the best route for your personal circumstances.

Taking the time to engage with a trusted adviser will enable you to shape your income profile and assess your current assets and earnings. Our tailored advice and expert knowledge can make the difference between choosing to retire early or acknowledging you may need to work longer or part time – something 27% of retirees in 2021 intend to do.

Personal advice inevitably helps you to understand how to achieve your aspirations and spend it wisely to reduce those worries of not having enough. We’re experienced in supporting real people with real concerns and providing personal, tailored advice to put your mind at ease especially after a difficult year.

> Meet The Langhorns – they needed help maximising their pensions ready for retirement.






If you’re thinking about plans for the future make sure you have a pension to get you there successfully. For clear advice that’s personal Innes Reid can help, our team will:

  • Make sure your investments are ready for when you do choose to retire.
  • Review your current pension plans and help you find any that you have lost.
  • Help you navigate the complex tax rules and avoid mistakes.
  • Shop around for the right deal so you have full confidence in your retirement plans.

Start your retirement planning journey today by speaking with an Independent Financial Adviser at Innes Reid. Your first consultation is free and with no obligation.
Contact us on Tel: 01244 347583 or by email on

Don’t leave your future to chance. The risk of leaving your pension too late is a real one.  This article isn’t personal advice.

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