Approaching retirement

You may find yourself wondering what kind of retirement you can afford and when that retirement can begin. We’re here to answer your questions.

Step into a carefree retirement

Retirement should be a time to pursue your passions and relax into a pace of life that works for you. Whether you want to travel and see the sights of the world or stay closer to home and spend more time with family and friends, you’ll need to feel confident you have enough money to live comfortably if you want to truly enjoy the years ahead.

We’ll help you build a plan to achieve a fulfilling and financially secure retirement.

We understand what we’re doing

Pension planning

We’ll expertly guide you through the pension maze, help you analyse what you already have in place to determine whether it’s likely to yield the retirement lifestyle you would like, and make recommendations for how you can maximise your savings for retirement.

Investing

To establish whether an investment strategy is right for you, we’ll explore what you want to achieve, over what timescale and how much risk you are comfortable with. Our team will then build and manage a portfolio that aligns with your goals and risk appetite.

Estate planning

Our experts will identify whether Inheritance Tax will be liable on your estate and implement tax-minimisation arrangements. We’ll offer estate planning recommendations and explain your options for transferring wealth in the most tax-efficient way.

Tax planning

We’ll keep you up to date on changes in tax legislation that could impact you and, as your life changes, assess whether your current tax strategy still works for you or whether adjustments are needed. We’ll ensure you’re benefiting from all available tax relief opportunities.

Please note: Your capital is at risk. The value of your investments (and any income derived from them) can go down as well as up and you may not get back the full amount invested.

What our clients say

My pension set-up was very complex, but thanks to the expert knowledge of the team at Lifesteps, I’ve managed to navigate the transition from pre-retirement to post-retirement with minimum fuss. This has given me a great deal of financial comfort.

I have been dealing with the team at Lifesteps for the last 10 years, and in that time the level of service and attention to detail has been second to none.

Frank McCarthy

The team has expert knowledge of pensions and investments. They are always available and highly professional in their approach, and I have always trusted their judgement and advice. I would highly recommend them to anyone looking for financial advice.

Mark Bourke

Lifesteps conducted thorough research and met with me on a number of occasions before they offered me any advice. I am very happy that the portfolio they’ve recommended is suitable for my risk profile and liquidity needs. The level of service and communication post-investment is equally impressive and very reassuring.

Dorothy Ahearn

Our pension expertise

Your pension is quite possibly the biggest and most important investment you will ever make. So, you need to feel confident you are making wise decisions when it comes to how it’s invested, how it performs and how it’s drawn down.

Our experts will analyse your current arrangements and make recommendations where they spot opportunities for better returns or where they could be more closely aligned to your risk profile and ambitions for the future.