Invest wisely, retire confidently.

Re-imagine your retirement years with smart pension and investment choices.

How we can help.

We understand that navigating pensions can be daunting, but with our personalised advice, you can make confident decisions. While pension and investment options may seem complex, understanding the fundamentals can help you make informed decisions that maximise your financial security.

Recent changes to pension regulations provide greater flexibility than ever before. You can now access your pension pot in several ways:

Lump sum withdrawals – Take out some or all of your pension savings as cash.
Flexible income options– Withdraw funds as needed while keeping the rest invested for potential growth.
Annuities – Convert your savings into a secure, regular income for life.

Each option has different tax implications, and the right choice depends on your personal circumstances, future goals, and risk tolerance.

At Need Financial Planning, we provide expert, independent financial advice to help you:

Understand your pension options and how they align with your long-term goals.
Maximise tax efficiency to ensure your money works harder for you.
Create a tailored retirement strategy based on your unique needs and lifestyle.
Explore investment opportunities that match your risk appetite and financial aspirations.

Planning for retirement is personal, and there’s no one-size-fits-all solution. We tailor our advice to suit you. Whether you're looking to secure a steady income, grow your investments, or protect your wealth for future generations, our expert guidance ensures you make the right choices for a financially confident future.

Visualise your Financial Future with Cashflow Planning

Alongside our wealth management planning services, we use cashflow planning to help you visualise your financial future. We can simulate multiple scenarios based on different lifestyle and retirement choices, giving you a clearer picture of how your financial decisions today will impact your future.

Whether you're planning for retirement or other life goals, we provide the insights you need to make confident choices.

What to expect

Review

Full review of your current financial position.

Goals

Immediate and future goals (financial and other) discussed and documented.

Research & Report

Locate funds in alignment with your attitude to risk and aspirations.

Presentation

Potential funds and cashflow model presented to you.

Decision

You make the informed decision whether or not to proceed with the advised route.

Transfer / New Fund Setup

We will arrange the transfer of your existing funds to the new fund(s) or establish new ones, ensuring management rights are transferred to Need Financial Planning.

On-going Management

Dedicated, professional management to ensure continued and proficient monitoring of your funds.

On-going Reviews

Regular reviews with your adviser to ensure funds evolve alongside your goals, attitude to risk and life events.

What to expect

Review

Full review of your current

financial position.

Goals

Immediate and future goals

(financial and other) discussed and documented.

Research & Report

Locate funds in alignment with

your attitude to risk and aspirations.

Presentation

Potential funds and cashflow model presented to you.

Decision

You make the informed decision

whether or not to proceed with

the advised route.

Transfer

We will request the transfer of your existing funds to the new fund(s) and managing rights transferred to Need Financial Planning.

On-going Management

Dedicated, professional management to ensure continued and proficient monitoring of your funds.

On-going Reviews

Regular reviews with your adviser to ensure funds evolve alongside your goals, attitude to risk and life events.

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We're here to help you navigate the complexities of finance confidently.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.