Retirement Financial Planning

Introducing our Mogers Drewett Financial Planning team.

Planning for your retirement is not always top of the priority list. When you’re younger, it can be tempting to put off planning because retirement seems ages away and if you are contributing to a pension most of us have no idea whether we are saving enough to enjoy the retirement we would like.

Early planning could make a huge difference to when you can retire and the standard of living you can enjoy during your retirement. Our financial experts at MDFP are authorised and regulated by the Financial Conduct Authority can help you start to plan now so you can enjoy the lifestyle you want in the future.

Retirement Planning

Our retirement planning services include:

Developing a retirement strategy

Paying into a pension is just the start, understanding how much that pension is likely to provide at retirement is essential to ensure you have enough in the pot to fund the retirement you want. Our team of experts can help to establish the size of retirement fund you require and then build a plan to help you get there, including what contributions and investments you need to make to achieve it.

Maximising pension contributions

Contributing to a pension as early as possible will increase your chances of building a fund sufficient to meet your needs. Even if retirement isn’t far away, there are still ways to increase your retirement income. Our team can help you understand the options available to you and ensure you are using any tax relief available to maximise your pension contributions.

Accessing pension income

Under new rules, anyone aged 55 (age 57 from April 2028) with a defined contribution pension (a pension based on how much is paid in) can access their pension. Our team can review your existing pensions to help you understand when and how to access your pension.

Optimising tax efficiency

A good pension arrangement can be a very tax and cost-efficient way to build up a retirement fund, but pension legislation is very complex. It is important to understand all your options and the rules surrounding pensions in order to avoid the potentially costly mistakes than can result if you do not stick to the rules.

Next steps: get in touch

It is never too early to start planning for your retirement, contact our financial planning team on: 01225 308333 or

Mogers Drewett Financial Planning (MDFP) is a trading style of Centurion Wealth Management which is authorised and regulated by the Financial Conduct Authority (FCA). Registered in England and Wales Number 7001057. Registered Office: Channel Court, 8 Hill Road, Clevedon, Bristol, BS21 7NE

Mogers Drewett

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Meet the team

Frequently asked questions

A pension is a type of retirement plan that you & your employer contribute to during your working life that then provides a monthly income after you retire.

There is no easy answer to that question as it depends on what you can afford, the age you want to retire and the type of retirement you would like. The only certainty is that the sooner you start contributing the better.

If you are eligible for pension contributions from your employer then they will auto-enrol you in the company pension scheme without you needing to do anything. Auto-enrolment was designed to make it easy for workers to save for their retirement by making it the responsibility of employers to sign them up.

An employee agrees to reduce their earnings and instead pay into their pension contributions. Possible benefits include tax savings.

Historically seen as a very attractive kind of pension and sometimes called ‘defined benefits’ pension, these pensions pay a guaranteed income for life based on your final or average salary.

This type of pension sometimes called a defined contribution pension, is where money is paid in an invested. The amount paid out is not guaranteed and is based on how much is paid in and how the investments perform overtime.

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