Pension Advice

Peace of mind in your golden years: Let us help you create a secure and fulfilling retirement. From pension advice to income planning, we guide you every step of the way.

Navigating the Flexibility

Gone are the rigid timelines and one-size-fits-all of old. Today’s retirement is about you. Control, fulfilment, and a seamless transition are key, with options like phased approaches, part-time work, and encore careers. Shape your retirement journey, your way. Many now seek flexibility, envisioning phased transitions, part-time work, or even returning to paid pursuits later in life. This exciting new landscape, however, necessitates careful planning.

  • Your Pension: Understanding your specific pension type, potential claiming dates, and withdrawal options is crucial.
  • Benefits: Weighing whether to claim all benefits immediately or strategically deferring some for future income requires informed decisions.
  • Pre-Retirement Work: Aligning your pre-retirement workload with your desired financial needs and future work aspirations optimizes your transition.

Explore income drawdown for a flexible retirement

Have you diligently built up a defined contribution pension over the years? Income drawdown might be the key to unlocking your retirement dream.

What is Income Drawdown?

Imagine accessing a portion of your pension pot while the rest continues to grow through investments and interest. That’s the power of income drawdown. You have the flexibility to draw income as needed, potentially enjoying a comfortable retirement while your pension continues to work for you.

  • Flexibility: Access your money when you need it, without rigid limitations.
  • Growth potential: Your remaining pension pot can continue to grow through investments.
  • Tax advantages: You may benefit from tax-free lump sum withdrawals and tax-efficient income streams.
  • Control: You have greater control over your retirement income compared to traditional annuities.

Secure Your Future, simplify your income: guaranteed income with annuities

Transform your pension pot into a stable income stream with annuities. Our advisers can help you navigate the options and choose the right fit for your retirement goals.

  • Guaranteed income: Enjoy a regular, predictable income throughout your retirement, regardless of market fluctuations.
  • Tax-free lump sum: Access up to 25% of your pension pot tax-free.
  • Multiple options: Choose from lifetime, fixed-term, enhanced, investment-linked, and more, based on your needs.


The value of investments can fall as well as rise.  Past performance is no guarantee of future performance.

State pension simplified: understand your retirement foundation

The State Pension forms a critical foundation for most retirees’ income and shouldn’t be neglected. Consider it a vital aspect of your retirement planning.

  • Know your future income: Check your State Pension age and estimate using the GOV.UK calculator.
  • Contributions matter: The amount you receive depends on your National Insurance contributions.
  • Partial benefits too: 35 years guarantee the full amount, but even 10 years bring some income.
  • Foundation: Consider the State Pension as a valuable starting point for secure retirement planning.

Don’t guess, plan! Our dynamic retirement modelling tools paint a clear picture of your future. Partner with SN Financial Services to adjust, maximise, and achieve your unique retirement vision.

Get in touch

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Financial advisory in Worcestershire and Kent

Based in Droitwich Spa, we’ve proudly supported clients of all ages since 2004. The opening of our second office in Sevenoaks allowed us to extend our bespoke financial services even further, making SN Financial a trusted financial adviser for individuals, couples, families and businesses across Worcestershire, Kent and the rest of the UK.

Droitwich Office

5 Saltway, Droitwich, Worcestershire, WR9 8LB
01905 779697

Sevenoaks Office

46 Holly Bush Lane, Sevenoaks, Kent, TN13 3TL
01732 926255