Retirement planning

Once you reach the stage where you are considering your retirement income, professional financial advice becomes even more important. Many of the choices you make at this time have the potential to affect your future lifestyle.

Pensions/Retirements Plans can be an effective form of tax strategies; based on current rules achieving tax free growth and a tax-free lump sum. Dependent upon your circumstances you may be able to reduce immediate income tax bills or pass on the value to the next generation.

It is essential that you review your pension/retirement plan situation regularly. We can advise you on taking steps to make it more certain that your pension/retirement pot will be able to achieve the income you want when you retire.

We can guide you through key life decisions and advise you on tax-efficiency, helping so you are saving enough into your pension/retirement enabling you to enjoy the retirement you deserve.

Options are varied and can be tailored to your circumstances.

Advice on taking benefits from pension/retirement plans

We are experienced in providing advice on the many options available when taking benefits from pension/retirement plans, including:

· Retirement Fund Withdrawal

· Phased Retirement

· Lump Sum Investment/Portfolio Planning

· Drawdown Review

· Constrained Retirement Planning

· Annuity Plans Vs Managed Accounts

· Inherited Retirement Plans/ How does it affect your beneficiaries

· RMD Planning

· Roth Conversion

· T72 Rules

· Integration of Social Security into your retirement plan

Decisions that are made today can have an impact on your retirement income and lifestyle, so it's important to get the right advice. That is where we can help.

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* Representatives offers products and services using the following business names: Gem State Financial Group – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with Gem State Financial Group.

Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.