Pensions & Retirement Planning

As one of the region’s leading specialist retirement and pension advisers, we can help you identify the most appropriate way to fund for your retirement and then help you make the most out of your retirement savings once you decide to retire.

After being Highly Commended in 2015, we are delighted to announce that FOCUS has been awarded Retirement Adviser of the Year at the 2016 Investment Life & Pensions Moneyfacts Awards . 

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As Independent Financial Advisers, FOCUS has no allegiance towards any one pension provider. Our role is to establish the best solution to meet your own particular needs and requirements and provide you with a clear understanding about your retirement options.

Saving for your retirement

Although it may seem a long way off, it’s never too early to start investing for your retirement.
Some points to consider:

  • How much do I need in my pension fund to retire?
  • When should I start paying into a pension?
  • What about tax relief?
  • What about investment risk?

Our specialist pension advisers can help you identify the most suitable way to fund for your retirement – and make the most of the tax relief available to you.

Uncertain about what to do with your Defined Benefit Pension?

One of the biggest changes in pension legislation happened in April 2015 when the Government decided that people should be able to access their money purchase pension plans as cash at any time from age 55. If people wish to use their funds to provide them with an income in retirement, they still can.

However, it was only made available to those people who have money purchase pension arrangements like personal pensions and stakeholder plans. For those people whose pension is provided by a defined benefit plan (or final salary scheme as they are usually known), these options are not available  – unless they choose to transfer out.

But transferring out of a defined benefit scheme brings other implications and many people are unsure what to do.

To help with this, FOCUS have produced a booklet – ‘Should I Stay or Should I Go?’, which asks six key questions that you should consider before you contemplate a transfer from a defined benefit scheme.

If you would like a copy, simply send us an email requesting a copy.

Taking your pension benefits

Retirement planning can never be a “one size fits all” scenario. You can use your carefully built-up retirement fund to provide you with the lifestyle you now seek However, over the last few years this has become a complex area and requires specialist advice. Choice and flexibility now play a major part in accessing retirement benefits.

Get in touch to discuss all of these options, so we can help you decide how to use your pension fund to make the most out of your retirement.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.


Switching my pension out of a Defined Benefit Pension Scheme was one of the biggest decisions I have had to make. Working with Phil Casey and the team at Focus I felt that every aspect of my personal situation was considered and the detailed advice I was presented with ensured that the decision I made […]

Meet The Team