The Financial Options Group

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Keeping your retirement planning on track

Recent stock market volatility may be making you anxious about your pension – particularly if you are nearing retirement – but it is important to consider the bigger picture to keep your plans on track.

It’s vital that you keep on course with your retirement planning, since making decisions based on what is happening in the short-term can be a very risky thing to do, with the potential to lock in any losses you have incurred.

Pensions are long-term investments, so for younger investors, there should be plenty of time for markets to recover and pension pots to achieve the necessary growth before retirement income is needed.

It has never been more important to get sound advice to keep your retirement plans firmly on track. Those who stick to their carefully- thought-out financial plans will inevitably be in better shape to ride out market volatility. Furthermore, those close to retirement may have already benefited by having their pension fund ‘lifestyled’, which automatically switches funds into safer assets such as cash, gilts and bonds.

Retirement with built-in flexibility

Being retired for 20 years or more means you need to plan for an income that supports retirement for this long, with careful planning which begins as early as possible. It’s never too early to start your retirement planning and it’s never too late to boost an existing pension.

An increasingly popular option to consider is that of a staggered retirement, where you continue to work part-time before giving up work completely. With people living longer, to ensure your pension lasts as long as you do, this trend provides for greater flexibility and preserves retirement funds into later life.

The role of your financial planning professional is not just to manage your funds, but to ensure you are prepared for a long, fulfilling retirement. We can also advise you on taking sensible steps to reduce the amount of tax you pay, on the path to achieving your financial goals.

We make financial advice easy

With ongoing uncertainty around the pandemic and what the future holds, more individuals are seeking professional financial advice to help them achieve peace of mind. In fact, a recent study1 of savers and investors has found that one in 25 people have recently sought advice for the first time ever.

If you are concerned about the impact of the pandemic on your retirement plans, we are here to help. We can review your options and tailor make plans specifically to your individual needs.

Financial Options Group founder and CEO Christian J Pepper comments: “Quality financial advice is needed now more than ever. As individuals and families face mounting financial challenges and uncertainty, we understand that navigating the current environment can be both daunting and stressful.

“We believe that through building strong adviser-client relationships, remaining accessible and delivering proactive day-to-day fund management, we provide our clients with reassurance and help them to achieve greater peace of mind. You can rely on our experience and knowledge; and through open and honest communication, we can guide you through any challenges.”

For more information, contact the Financial Options Group on 0161 764 9944 or email

1Aegon, 2020