Pensions & Retirement Planning

Retirement should be a time to enjoy ourselves, not to worry about money, so ensuring that you have the right retirement strategy in place is essential.

We believe that your retirement goals should be at the heart of your financial planning to help ensure you enjoy a financially secure life in retirement. Whether your intended retirement is some time in the future, and you need to establish a pension, or you are approaching retirement (or indeed are already there), we can provide you with retirement advice.

Because we are not tied to any one provider, we can also review all the retirement options to find the most suitable retirement solution from across the market. The ‘Pension Freedoms’ which are now available at retirement means you have lots to consider.

We will guide you through all the options and potential pitfalls and help you make the right choices. As part of our service, we’ll talk you through all your options, including the support available to you from the State, so that you take full advantage of any financial benefits which are available to you.

If you would like to arrange an initial meeting with one of our financial advisers, please contact the SMH Financial Services team on or 0114 266 4432.

A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available.