Retirement Planning

Helping you to understand your pension and retirement options.

Secure your path towards achieving your retirement goals.

Our team of experts specialises in addressing your inquiries regarding pension contributions, effective management of multiple pensions, and the potential for overfunding your pension within a given year.

We’re dedicated to guiding you in aligning your pension funding with your envisioned retirement income, ensuring a secure financial future.

Determine pension contributions that meet your needs
Combine your existing pensions
Ensure you don't overfund your pension
Feel more confident about your future
Get advice

Your Journey

Speak to an adviser
One of our financial advisers will contact you using your preferred method of communication to discuss your financial objectives and current circumstances.
Find a plan that works for you
Your adviser will support you throughout your journey with us, putting your needs at the forefront of every decision.
Begin your journey
Now you're on the road to financial freedom. Your adviser will support you throughout your journey with us, putting your needs at the forefront of every decision.

Looking to become a client?

If you would like to join our client network and work towards achieving your financial goals then apply today by using our easy online form.
Become a client
Sharon Howells
Sharon Howells
I would highly recommend Brad at Absolute Financial Management. He carried out an assessment of our retirement savings and was extremely knowledgeable and thorough. He was very good at explaining complex financial information in simple terms that we understood. He clearly had a focus only on our best interests. I would definitely use Absolute Financial Management again in the future.
Alexander Dowds
Alexander Dowds
just when you think things cant get any better, you come across a company like this. from the first phone call you get vip service and a level of friendliness many other organisations have forgotten. John, Yvette and Spencer but to name a few. thank you.
Simon Aplin
Simon Aplin
An excellent service. Helped us sort out a new Mortgage and also helped with future planning with regards to pensions and savings. We will continue to use Absolute Financial Management
Gemma Pass
Gemma Pass
Highly recommend Victoria Smith at Absolute Finance, she was amazing from start to finish, she knew her stuff, she was professional, and she kept us sane through the process which wasnt the easiest. We wouldn’t have been able to do it without her. She was a massive support and having a personal contact through the process made all the difference. Thank you!!
Sarah Byrne
Sarah Byrne
Couldn’t be happier with the fantastic service provided by Victoria Smith at Absolute Financial Management. Friendly, professional and extremely knowledgable. She has put my financial affairs in good order and given me great peace of mind. I wish I had used her services sooner. Highly recommend.
Laurence Leyden
Laurence Leyden
Victoria was exactly what we needed when assessing our financial position. She made it easy to understand some fairly complex issues and came up with short, medium and long term suggestions that fully met the brief. We now have a good idea of our short term actions and a viable plan for the future. Overall, Absolute were a pleasant change from the usual advisory firms. Victoria was efficient and responsive and we would have no hesitation in recommending her to anyone requiring financial advice.

Making an informed decision

Benefits
Considerations
The primary benefit of a pension is that it provides you with a regular income in retirement, which can supplement your other sources of income, such as Social Security.
Pensions offer tax advantages, with potential tax breaks on your contributions, depending on the type of pension plan you have.
Employers are required to offer pensions as a benefit to their employees, and may also contribute to your pension account on your behalf. This can help you save more for retirement than you might be able to on your own.
Pensions offer a range of investment options, which can allow you to diversify your portfolio and potentially earn higher returns than you would with a savings account or other low-risk investments.
Pensions require you to contribute a portion of your income, which can help you save more for retirement than you might otherwise. This forced savings can be especially helpful for those who struggle to save on their own.
In most cases, you cannot access the funds in your pension account until you reach a certain age or retire. This lack of access can be a disadvantage if you need to access your savings for unexpected expenses.
Pensions are typically invested in the stock market and other securities, which carry some degree of risk. If the markets perform poorly, your pension account could lose value, potentially reducing your retirement income.
Pensions are often subject to strict rules and regulations regarding contribution levels, investment options, and withdrawal rules.
Pensions often involve paying fees and expenses, such as management fees, transaction costs, and administrative expenses.

Important Information

It is important to understand the risk associated with any form of financial product as well as the fees involved.
Past Performance
Past performance is not a guarantee of future return, nor is it necessarily indicative of future performance. Keep in mind investing involves risk. The value of your investment may fluctuate over time, and you may gain or lose money.
Fees
The precise amount of the fee will depend upon your circumstances, and our advisors will provide you with an accurate set of costings after assessing your situation.

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From planning for the inevtiable, to ensuring your pension will last - absolute can help you on your financial journey.

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Absolute Financial Management is authorised and regulated by the Financial Conduct Authority, FCA Number 401135 / https://register.fca.org.uk/

Registered in England and Wales 05027747. Registered Office The Bull Yard, R/O 75 High Street, Ashford, Kent, United Kingdom, TN24 8SN.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Website: www.financial-ombudsman.org.uk.
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