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Approaching Retirement?

The sooner you start to plan your retirement, the better. We can have a friendly conversation with an expert over the phone and with a Skipton Link video appointment. We could help you get some firm plans in place. We’re here to help you achieve the financial future you’re looking for.

Check your pensions

You don’t pay tax on the growth in your pension funds, so they can be a really good way to save for retirement.

Workplace pension

Your workplace pension has the advantage that in most cases your employer will contribute to it and that you can increase the amount you pay in if your circumstances allow it. If you do increase your contributions, your employer might increase theirs too, so it can be useful to check if you could contribute more.

State pension

You might also qualify for a state pension, which is based on your National Insurance contributions. Check yours at

Pension from past employers

If you’ve lost track of pensions you had with previous employers, you could potentially trace them using the’s tracing tool. It might be worth considering combining your pension plans, but you’ll need to weigh-up the pros and cons before making a decision.

Visit our pension planning page to learn more about pensions. And, if you think there might be a shortfall in your retirement funds, we’re here to help you think about other ways you could potentially build your funds.

How we could help you

We could review your pensions and investments to see if your current plans are on track, or help you make new plans if you don't already have plans in place. We will produce a plan of recommendations and talk you through them. Then you can go away and have a think. If you decide not to act on our recommendations, that’s fine. It’s our No Pressure Promise. You won’t incur any charges unless you act on our recommendations. You can invest from £20,000 as a lump sum or £500 per month. For advice on existing investments/pensions, the minimum value required is £50,000.

We’ve also created a budget sheet designed to give you a rough idea of what your income and outgoings might be when you’re retired. It won’t give you definite answers though, so if you’d like a more detailed analysis, our financial advisers might be able to help.

Get in touch

Phone us

Let's have a chat to understand your goals and see if financial advice could be right for you.

Or, you can request a call back.

Why choose Skipton for financial planning

  • No pressure promise

    We’ll never push you into taking up a recommendation or service you don't want or need.

  • No implementation no charge

    You'll only be charged if you decide to implement your financial plan.

  • Retirement planning experts

    Your adviser will discuss your current financial situation, and build a plan tailored to you.

Important information

Our recommendations are likely to include stock market-linked investments. These aren't like building society savings accounts, as your capital is at risk and you may get back less than you invest. The value of your investment and any income from them may fall as well as rise. Your eventual income will depend upon the size of fund at retirement, future interest rates and tax legislation.

Get in touch

Speak to us

Contact our team on

Let us call you

Let us know when it's convenient for you

Skipton Link

Learn more about our video appointment service

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