Marie Smith
Relationship Associate Partner - East Midlands
Pension & Retirement Planning Advice
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 900 families and professionals, managing £1.9bn 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 Not a fixed strategy that becomes outdated.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.
LOOKING FOR WEALTH MANAGEMENT ADVICE?
Our specialist wealth team provides tailored investment, retirement and financial planning strategies built around your goals.
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Useful insights
Reviews
Andy, July 26
Peter Wicks is very good
Paul, July 26
Good performance and liaison. It seems to take longer than expected to receive funds once release authorised.
Sue, July 26
Don’t worry about my money if I had a problem I know I can just ring them. They all seem professional.
Emma, July 26
Ed is a very effective communicator. He listens and is very responsive.
We trust him and have confidence in the information he produces.
Philip, July 26
I find the annual review very important , and would
Piers, July 26
Head has taken over looking after me now that Ian O’Connor my long-term financial advisor has retired. Ed was superb; knowing that I am financially very literate after a career in the City, he didn’t overexplain things that he knew I understood but also we explored together thoughts on a drawdown ladder and where best to put some money into guilts all the advice was relevant Taylor specific to me and very thoughtful. Very impressed!
Carol, July 26
The increase in funds really suprised me in a good way. I wasn’t expecting by how much it has increased
Will, July 26
Just great service and a real understanding of what I need. I appreciate that you don’t take too much of my time talking me through things I already understand!
Robert, July 26
Dealt smoothly with transition from Future Perfect. Realistic recommendations. Keeping communicating to a minimum.
Adam, July 26
Great customer management from Brendan. Easy to get on with, clearly communicates, doesn’t bamboozle with facts and figures. Positivity growth results since we have moved across. Confidence in the advice. Good value compared to competitors.
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.
Nothing ventured, nothing gained. If something’s on your mind, maybe we can help? Fill in the form and we’ll get straight back to you.
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.