Contact us

Contact us using our on-line form below, email us directly at enquiries@holcombefinancialservices.co.uk or call us on 01204 238 500*

The internet is not a secure medium and as such, the privacy of your data cannot be guaranteed. Any details supplied will not be held or used for marketing purposes.

Areas Of Advice

Local Independent Financial Advisers based in Ramsbottom, Bury, Lancashire, we cover all aspects of Financial Planning in Lancashire, Cheshire and Greater Manchester

Financial Advisor Bury, Financial Adviser Bury, Financial Adviser Bolton, Financial Adviser Greenmount, Financl Adviser Harwood,Financial Adviser Hawkshaw, Financial Adviser Holcombe Brook, Financial Adviser Rochdale, Financial Advisor Holcombe Brook, Financial Advisor Rawtenstall, Financial Advisor Tottington, Financial Advisors Bury, Financial Advisors Ramsbottom, Financial Advisors Rossendale, Inheritance Tax Advice Bury, Inheritance Tax Advice Ramsbottom, Inheritance Tax Advice Ramsbottom, Inheritance Tax Advice Rawtenstall, Investment Advice Hawkshaw, Investment Advice Ramsbottom, Investments Rochdale, Mortgage Advice Bury, Mortgage Bolton, Mortgages Bury, Mortgage adviser Greenmount, Pensions Advice Bury, Pensions Adviser Bury, IFA Bury, IFA Ramsbottom, IFA Greenmount, IFA Holcombe Brook, IFA Bolton, IFA Haslingden, IFA Rawtenstall, IFA Tottington, IFA Blackburn, IFA Rochdale, IFA Hawkshaw, IFA Bamford, IFA Harwood, IFA Rossendale, IFA Harwood , Pension advice Ramsbottom, Pensions adviser Ramsbottom, Pensions advisor Ramsbottom, Pensions Advice Rochdale, Pensions Bamford, Pensions advice Bolton, IFA Bury, IFA Ramsbottom, IFA Greenmount, IFA Holcombe Brook, IFA Bolton, IFA Haslingden, IFA Rawtenstall, IFA Blackburn, IFA Rochdale, IFA Hawkshaw, IFA Bamford, IFA Harwood, IFA Rossendale, IFA Harwood , Pension advice Ramsbottom, Pensions adviser Ramsbottom, Pensions advisor Ramsbottom  Pensions Harwood, Pensions Ramsbottom, Retirement Planning Ramsbottom,Final Salary Pension advice Bury, Defined Benefit Pension Advice Bury, Final Salary Pension Advice Ramsbottom, Defined Benefit Pension advice Ramsbottom, Final Salary Pension Transfer Advice Bury, Final Salary Pension Transfer Advice Ramsbottom,  Final Salary Pension Transfer Advice Bolton, Final Salary Pension Transfer Advice Rochdale, Final Salary Pension Transfer Advice Blackburn, Final Salary Pension Transfer Advice Manchester.

The information on this website is for use of residents of the United Kingdom only.  No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Holcombe Financial Services is a trading name of Holcombe Wealth Management which is authorised and regulated by the Financial Conduct Authority

​​© Copyright 2018 Holcombe Financial Services & Holcombe Wealth Management Ltd.

 

Holcombe Wealth Management. Registered Company Number 8008671.

Retirement Planning, Pre-Retirement and Post Retirement

At Holcombe Financial Services, our Bury IFA'S based in Ramsbottom, Bury offer expert retirement planning advice at all stages of the retirement journey.

"Great Service"

   Mr Cadden, Ramsbottom

Call us now

01204 238 500

Holcombe Financial Services independent financial advisers (IFA’s) based in Ramsbottom, Bury, are fully qualified IFA’s and provide independent advice on all types of company and personal pension schemes.  No matter what size or type of scheme you have, we can help. If you happen to be under 55 with a number of pensions, or over 65 with one or a number of pension schemes, we can help you understand your options better.

 

 We are often involved in decision making for our clients, helping them retire at the age they would like to.  We are often asked “can I retire at a certain age?”.  Sometimes we are able to say “yes” and provide projections showing that the provision is enough to meet the requirements.  If not, we are able to show the saving level, growth and time horizon required until you can retire.   It is now much more common to reduce hours at work and phase retirement as people look to reduce work pressure as they approach retirement.  We particularly enjoy helping our clients get the work/life balance right and this can sometimes mean relying on pension provision to top up income when reducing pressure at work.  

        

At different life stages, everyone faces different financial challenges. The period up to the age of retirement is known as the accumulation phase. Once taking benefits from your provision however, this period is known as the decumulation phase.  A combination of low interest rates, high inflation and increased longevity means that many of the UK’s retired population face financial challenges. For individuals approaching retirement, the many available pension options at retirement can be daunting and making the wrong decision can be costly.

At Holcombe Financial Services we can help you to understand your provision, ensure you make the right decisions and ensure your provision works hard for you within the correct environment as regards risk.  Longevity of your pensions and investments is always a concern.  We can help you to see exactly what your position is at any particular time and at what age your provision is forecast to last until.  Our work can help you to make informed decisions about income levels and capital expenditure.

We can review your situation, help clear up the confusion and work with you to make an informed choice as to your options at retirement. Some of the considerations to take into account include:

  • Full or Phased Retirement

  • Tax Free Cash

  • Money Purchase Schemes

  • Final Salary Schemes

  • Annuities

We will consider all the options and want you to enjoy your retirement with your desired level of flexibility and income. Our IFA's in Ramsbottom, Bury specialise in more sophisticated retirement planning for those with larger pension funds.