Marie Smith
Relationship Associate Partner - East Midlands
Pensions & Retirement Planning
Pension and retirement planning is more complex than ever, with changing allowances, evolving tax rules, market volatility and longer life expectancies. We help you see the full picture - what you want retirement to look like, how much you’ll need, how long it must last and the most tax-efficient way to structure it - so you can move forward with clarity and confidence.
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What Are The Benefits of Pension Planning?
The decisions you make about your pension today can materially shape your lifestyle in the decades ahead. At Cooper Parry Wealth, we support more than 1,000 families and professionals, managing £2bn of assets.
Retirement planning is rarely about one pension pot. It’s about coordinating multiple assets, tax allowances and income sources into one coherent plan:
- Understand how long your pension is likely to last
- Decide how much to contribute and when
- Structure withdrawals tax-efficiently
- Align pension strategy with inheritance planning
If you have several pension pots from previous roles, we’ll review each one to check it still meets your needs. We’ll also assess any guarantees, protections and tax implications before advising whether consolidating your pensions could be the right option for you.
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How Can You Get The Most Out of Retirement?
Retirement isn’t a single event. It’s a multi-decade phase of life.
Whether retirement is five years away or already underway, the decisions you make now will shape your lifestyle, financial security and legacy for decades to come.
We’ll help you understand whether you have enough to retire and, importantly, define what “enough” truly means for the lifestyle you want to lead.
We’ll help you build a sustainable, tax-efficient income strategy across pensions, ISAs and investments. Through detailed modelling and stress-testing, we structure withdrawals to withstand market volatility, manage tax exposure and plan for potential care costs – protecting both your future and your legacy.
The result is a plan that evolves with you. Not a fixed strategy that becomes outdated.
Need a Second Opinion?
If you’re unsure whether your portfolio is aligned with your goals or delivering value for money, we can provide an independent Second Opinion – offering clear, objective insight, not criticism.
Get Your Second Opinion
How We Helped Sandra & Andy Retire with Confidence
“At the point of retirement we realised that we would need professional help to manage our retirement funds. Having met David Holmes previously we felt comfortable in seeking his advice. It was important to us that we could trust in both David and Cooper Parry Wealth. From our first meeting it was clear to us that David and CPW were a good fit for us.
In the past ten years of retirement we have enjoyed many adventures and travelled the world along the way. We have a Motor Home in USA and a home in both Australia and England. Working with David and CPW has given us peace of mind and the confidence to live our life knowing that the advice we are given is always in our best interest.”
– Sandra & Andy
Read Sandra & Andy’s Full Story
Meet The Team
THE PEOPLE SECURING YOUR FUTURE
Retirement takes planning. Our pensions and retirement specialists work with you to build clear, tax-efficient strategies that protect your wealth and support the lifestyle you want long term.
Whether you’re planning ahead or preparing to step back, we’ll help you make confident, informed decisions every step of the way.
Start shaping your retirement today.
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Our specialist wealth team provides tailored investment, retirement and financial planning strategies built around your goals.
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Useful insights
Reviews
SURESH, NOV 25
“Everything was explained well and at our pace.”
MARK, FEB 25
“CPW gives us confidence that we have a solid and well considered financial strategy. When we have specific queries outside meetings they are usually answered promptly and in detail. Not sure we are making the best returns possible but good enough. A summary once a year of exactly how much we have made or lost in a 12-month period would be a useful additional piece of information”
BEV, FEB 25
“I feel that we could have had more nurturing and more communication given this is a new area for us – also sometimes communication isn’t great – but you are a lovely team”
CHRIS, FEB 25
“Your staff are great”
CLAIRE, FEB 25
“Excellent communications and relationship building. The on line system could be a bit slicker. We’ve had an issue with a pop up not being removed. But this is very minor.”
CLIVE, FEB 25
“Simon and his team offer a great service – keeping us up to date and responding promptly to any questions we may have. Thank you”
DARREN, FEB 25
“Please continue to do what you do.”
DAVID, FEB 25
“Sometimes think actions take too long especially when taking money out. During the time it takes the value of the investment can fall a fair bit, having said that the service we receive is excellent.”
DECLAN, FEB 25
“Breath of fresh air from our previous advisor. As a result of advice given by Brendan we have a higher performing and more consolidated portfolio with lower management charges. More importantly Brendan and his colleagues have provided a level of reassurance that we wanted, especially after the poor experience at St James Place. Brendan’s personal style and expertise along with the attention and time given to us as we made the transition to Cooper Parry has been greatly appreciated.”
ANDREW, FEB 25
“We are extremely happy with the service that we receive from Codie and her team. Communication is fantastic and any advice given is always explained in a very clear way. Wouldn’t hesitate to recommend CP Wealth”
FAQs
As early as possible, but its never too late. Meaningful improvements can be made at anytime. What matters is having a clear and structured plan.
It depends on your lifestyle goals, income sources and the timing of withdrawals. We’ll help you to model scenarios based on your ideal lifestyle, so you can find “Your Number” and make the best decisions for your financial future.
Often consolidation simplifies management and reduces cost, but not always. Some pensions contain valuable guarantees or tax protections. We review each arrangement before making a recommendation.
The rules are set to change from April 2027, and we’re getting more questions on whether pensions are still worth investing into given they will be subject to IHT from this point. The answer is absolutely. You get tax free growth and tax relief, either personally or through your company for making contributions, and it’s a great way to save for retirement.
While it’s possible to manage retirement planning independently, the complexity of tax, withdrawal sequencing and long-term sustainability can create costly mistakes.
A structured retirement plan provides:
- Tax-efficient income strategy
- Clear visibility of future outcomes
- Behavioural discipline during volatility
- Ongoing review as circumstances change
Most importantly, it aligns retirement with your Bigger Picture, not just a pension balance.
IMPORTANT
Investment values and income can fall as well as rise, and you may get back less than you invested. You could, in some circumstances, lose all your capital. Past performance is not a guide to future returns. Overseas assets may be affected by currency movements, and inflation may reduce future purchasing power.
Lifetime cashflow planning, trusts and Family Investment Companies are not regulated by the Financial Conduct Authority (FCA). Content on this website is:
Based on current UK tax legislation and believed to be accurate at the time of publication, but may change. Tax treatment depends on your individual circumstances, including residency and domicile.
For general information only and does not constitute financial advice. You should seek independent professional advice before making financial or investment decisions.
Intended for UK investors only and does not constitute an offer or solicitation to buy or sell any investment product.