It can be tempting to think of retirement as the final financial hurdle; after all, your pensions, savings and investments are now carefully placed to serve you well for the rest of your life.

Life changes, plans change and goals change. You may have retired before Pension Freedoms came into place, presenting more options for your retirement income. You might be concerned about Inheritance Tax; something you hadn’t considered before retirement. You may have even retired without a financial strategy and are now worried about the sustainability of your income.

Retirement planning is an ongoing process that must adapt and adjust to your life, events, goals and needs. Whether you retired with a strategy or not, it’s never too late to set things right and achieve the lifestyle that you desire.

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up.  You may get back less than you invested.