Retirement planning

Not everyone has the same vision of what retirement looks like – many people are unclear as to the value of their pensions and what this really means. We help you understand the steps you need to take, so that you can gain control of your retirement and can look forward to a secure financial future.

Our retirement planning services

The world of pensions has changed. With the introduction of pension freedoms in 2015, they have become increasingly flexible but also increasingly complex. Gone are the days where you worked for one employer for most of your career and enjoyed a care-free retirement with a considerable final salary pension.

At the same time, we have seen the gradual erosion of State pension provision. Put simply, we can no longer rely on the State to provide for us in retirement. Now, therefore, we must take personal responsibility for our own retirement provision.

This is where we come in – we will advise and guide you on the key areas of retirement planning, as well as the range of products and solutions available, including:

  • Personal pensions
  • Self-Invested Personal Pensions (SIPP’s)
  • Company pensions and auto-enrolment
  • Savings and investments
  • Pension sharing orders upon divorce
  • Accessing Tax-Free Cash
  • Flexi-access drawdown (as well as UFPLS)
  • Annuities

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

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax reliefs depends on individual circumstances.

Choosing Morris Powell to help you plan your ideal retirement

In today’s busy modern world, people change jobs regularly and attain pensions from different periods of employment, self-employment or business ownership.

We do the hard work to locate your historic pensions, analyse and understand the value and benefits available to you and plan for any shortfalls – all the while matching these to your retirement goals.

We can help you approach retirement with a new-found enthusiasm. With our support, clients can overcome concerns and begin looking forward to retirement.

Our commitment to you, we will

  • Act as your financial conscience
  • Conduct face to face financial planning, to understand you and your needs
  • Host regular meetings, evolving your financial plan to meet your goals over time
  • Always speak your language, financial advice doesn’t have to be a mystery

Let’s start the conversation.

The Partner together with St. James's Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner's Privacy Policy or the St. James’s Place Privacy Policy.


Morris Powell Financial Management together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Morris Powell Privacy Policy  or the St. James’s Place Privacy Policy

Let’s start the conversation.

The Partner together with St. James's Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Partner's Privacy Policy or the St. James’s Place Privacy Policy.


Morris Powell Financial Management together with St. James’s Place Wealth Management plc are the data controllers of any personal data you provide to us. For further information on our uses of your personal data, please see the Morris Powell Privacy Policy  or the St. James’s Place Privacy Policy