Retirement and Pension Planning Glasgow | Roxburgh Group

Making the right retirement decisions makes a big difference

Roxburgh Group are experienced independent advisers who can help you whatever stage of retirement planning you’re at. From starting your first pension, to increasing the amount you save, to preparing for your approaching retirement, we’re here to help you maximise your savings.

We’re now seeing a lot of changes to the laws that govern pensions. So it’s even more difficult to stay on top of things and make sure your money is working as hard for you as it can. That’s where we come in. We’ll work with you to understand your hopes and goals and put in place a retirement plan that looks after you long after you’ve retired. 

Knowing the best option for you

Pensions are a complex area. It can be hard to make decisions now that might not affect you for 50 years. However, a pension can be a very tax-efficient way to save and we’d advise everyone to take advantage of the tax incentives that are available.

We’ll spend time getting to know you, your finances and your aims and aspirations. So we’ll know what you’re hoping to achieve. And we can then help you choose a pension that suits your personal circumstances.

How Roxburgh can help you plan your pension and retirement

We’ll sit with you and actually look at your individual circumstances. We’ll look at when you hope to retire, what you hope to save into your pension by that date and also what might change in your life between now and when you retire. We’ll then be able to prepare a plan for you that shows your options and the likelihood of these meeting your aims. We’ll also factor in your life today, so you can continue to enjoy the present while you save for you and your family’s future. 

A pension is an investment – keep an eye on it

There can be a long period of time between starting your pension and the time you retire. Your personal circumstances will change, tax legislation will evolve and other unknown factors can have a major impact. Which is why we advise meeting on a regular basis to make sure you’re on track with your pension plan. 

Correcting as you go

Often people have a number of pension pots, accrued over their working lives. We’ll look at these with you and advise you on whether you should leave the funds where they are or move them into a more efficient scheme to give you the maximum benefit. 

Planning for retirement made easier

There are rules governing allowances and limits. There are rules governing annuities. And there are rules governing the individual pension options too. We make sure we’re always planning ahead so we can make it easier for you to plan ahead. 

Whatever the future holds, make sure you’re in a financially strong position. A meeting with one of our IFAs could be the most valuable meeting you attend this year.

The legal bit

A pension is a long-term investment. The fund can fluctuate and may go down as well as up. Your eventual income will depend on the size of the fund when you retire, future interest rates and tax legislation. All information given is based on our current understanding of the regulations and legislation covering pensions and tax. 

If you have any questions please contact the appropriate branch listed below:

Roxburgh Glasgow

Our Glasgow office is located at 151 Glasgow Road, Clydebank, G81 1LG. Telephone: 0141 952 0371.

Roxburgh Troon

Our Troon office is located at 19 Ayr Street, Troon, KA10 6EB. Telephone: 01292 314313.

Roxburgh Kilmarnock

Our Kilmarnock office can be found at 35 Main Street, Stewarton, KA3 5BS. Telephone: 0156048 5333.

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