RETIREMENT PLANNING

Regardless of where you are in life, securing your financial future and achieving your retirement goals requires expert and professional financial advice. Whether you have existing strategies in place or are just starting out, we are here to help.

What is Retirement Planning?

Successful retirement planning involves making sure that you are maximising the value of your pension pot so that you are well-placed to enjoy the fruits of all your hard work. No matter what stage you are in life, obtaining expert advice is essential for helping you reach your financial goals. At Ubuntu Wealth Management, we are on hand to help you do just that.

With so many retirement planning options available, you could be forgiven for thinking the process will be too difficult to navigate. Thankfully, we are here to provide expert and reliable assistance.

We’ll take the time to fully-understand your individual circumstances and financial planning goals, then build a tailor-made strategy to help achieve them. No matter your requirements, we can help.

You may be close to retirement, planning ahead for the future of your family, or a business owner trying to keep compliant with the latest pension regulations. Whatever your circumstances, Ubuntu Wealth Management will welcome you into the Practice and provide you with a dedicated ongoing service that you can trust and rely upon.


The value of an investment with St. James’s Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

Our Expertise Includes:

  • Maximising your pension fund
  • Planning your retirement
  • Nearing retirement
  • Self-Invested pension plans
  • Employment pensions

“Garnet has guided me towards making the best of my pensions. He has shown patience to someone who knows very little about money and finance matters. I recommended him to my daughter and my sister.”

C. Phillips, Retired, Congleton

Maximising Your Fund

Effective pension planning remains one of the most efficient ways to secure your financial future. Your pension can provide essential tax reliefs if set up correctly, so it’s important that you maximise its potential. With so much complicated and ever-changing legislation, alongside a plethora of options, you need to obtain the right information to optimise your retirement planning. Ubuntu Wealth Management can provide this assistance and help you reach your goals.

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Self-Invested Pension Plans

A self-invested pension plan (SIPP) can provide you with a greater number of options compared to a traditional pension. It lets you invest in assets such as gilts, commercial property and unit trusts, thereby providing you with an added degree of flexibility. If managed correctly, SIPPs can help you spread your risk and limit liability if some assets underperform.

SIPPs’s tend to have higher costs than a standard pension and active management is essential to maximise the benefits of the wider investment choice on offer. For these reasons, they will not be suitable for everybody and generally only those who are fairly experienced at actively managing their investment should consider this type of investment.

The value of a SIPP can fall as well as rise. You may get back less than the amount invested.

Employment Pensions

No matter if you’re in full-time employment, are self-employed or employ people yourself, Ubuntu Wealth Management is here to give you expert advice. We will develop a bespoke strategy to help you achieve your financial goals and keep your business compliant with all the latest pension legislation. Whatever your circumstances, you can trust us to support you every step of the way. We believe in the power of working together, meaning your success is our success.

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