Retirement should be something to look forward to - not worry about.

Whether you're dreaming of a debt-free future, more time to relax, or embarking on a new adventure, having a solid retirement plan can make all the difference. At Smith Eliot, we offer clear, expert guidance to help you prepare for the retirement you deserve.

Our approach is straightforward and personalised. We begin by reviewing your current pension arrangements and understanding your retirement goals. From there, we present tailored options that suit your needs, lifestyle, and aspirations.

How We Can Help

Retirement Planning

• We offer carefully selected solutions designed to help you build a retirement strategy that aligns with your long-term goals, whether that’s financial security, flexibility, or legacy planning.

Near-Retirement Advice

• As you approach retirement, making the right decisions becomes even more important. We provide expert advice on how to access your pension, including options such as uncrystallised funds, pension lump sums, drawdown arrangements, and annuities—helping to ensure you make informed choices that suit your circumstances.

Employee Advice

• If you're employed, we help you make the most of your workplace pension and other benefits, helping to ensure you're on track for a financially secure retirement.

Self-Employed Advice

• For business owners and freelancers, we offer specialist guidance on individual pension schemes, helping you build a robust retirement plan tailored to your unique working life.

Maximising Your Pension Fund

• We help you optimise your pension savings by considering the latest legislation, tax allowances, and contribution strategies—helping to ensure your fund works as hard as you do.

The pension advice you receive today could shape your future tomorrow.

The value of a pension with St. James's Place will be directly linked to the performance of the funds you select. The value may go down as well as up, and you may get back less than you invested.