Retirement Income Planning

We combine multiple sources such as pensions, investments, annuities, and other assets to create a reliable and consistent cash flow. For individuals with Defined Benefit pensions, also known as Final Salary schemes, we can help you make the most of your pensions to provide a solid foundation for retirement income.

Effective withdrawal planning helps you maximise your income while preserving your savings. Our advisers consider factors such as tax brackets, investment performance, and market conditions to ensure your withdrawals are both efficient and sustainable. 

Even in retirement, investments play a critical role in generating income. We help you build a portfolio tailored to your risk tolerance and income needs, focusing on income-producing assets like dividend-paying stocks, bonds, and income-focused funds. 

Life is unpredictable, and having flexible financial reserves is essential. We include contingencies for unexpected expenses such as healthcare costs, home repairs, or market downturns, ensuring your income plan is resilient. With the Hoxton Wealth App, you can check your cash flow and reserve funds in real-time, giving you the confidence to adapt to unforeseen changes. 

Healthcare costs can stand for a sizeable part of retirement expenses. We help you estimate both routine medical expenses and potential long-term care needs, ensuring your retirement budget accounts for these critical costs. Our advisers work with you to explore insurance options, such as Critical Illness Cover, government benefits, and savings plans that provide coverage for unexpected health events. 

A reliable income is essential to cover planned expenses like housing, travel, and daily living, as well as unexpected costs such as emergencies or major purchases. We design income strategies that incorporate diversified sources, including pensions, annuities, and investment returns, to ensure your financial stability at every stage of retirement. 

Managing your assets effectively requires a balance between meeting immediate needs and ensuring growth for future expenses. We help you structure your portfolio to provide liquidity for short-term demands while keeping investments designed for long-term preservation and growth, helping your wealth endure for decades. 

Every client’s income needs are different. We tailor your retirement income plan to your unique goals and circumstances. 

We help optimise your income streams to minimise tax liabilities, ensuring you keep more of what you’ve earned. 

Whether you’re managing pensions across borders or navigating international tax considerations, we provide solutions tailored to expatriates and cross-border professionals. 

Life changes and your income strategy should adapt. Our advisers regularly review and refine your plan to ensure it stays aligned with your goals. With the Hoxton Wealth App’s Multiple Scenarios feature, you can explore how changes in income, expenses, or investments could affect your overall plan, helping you make informed adjustments with confidence.