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Retirement Planning

Build Clarity and Confidence for Your Future 

Services • Retirement Planning

Our mission is to empower you to reach your financial goals through innovative, data-driven strategies tailored to your unique needs.

Planning for retirement is about more than building a pension pot - it’s about knowing where you stand, what you’ll need, and how to get there. At Hoxton Wealth UK, our financial planners help you make informed decisions so you can move toward retirement with confidence and control. 

Whether you’re in your 40s planning ahead, approaching retirement, or already retired and looking to make your income last, our goal is simple: to help you enjoy the lifestyle you’ve worked hard for, supported by a sustainable and tax-efficient plan. 

How We Help You Plan for Retirement

  1. Reviewing Your Existing Pension Arrangements

Your retirement plan begins with understanding what you already have. We review your existing pensions - workplace, personal, and private - to assess performance, costs, and suitability. 
We’ll help you consolidate where appropriate and ensure that your pension investments match your goals and risk tolerance. 

Important note: Hoxton Wealth UK does not provide advice on defined benefit (DB) pension transfers or other safeguarded benefits. 

  1. Creating a Tax-Efficient Retirement Income Strategy

We help you structure income sources - from pensions, ISAs, investments, and other savings - structured with tax awareness in mind, in coordination with your tax advisers where necessary. This might include balancing drawdown strategies, sequencing withdrawals, and optimising allowances so your income lasts longer and remains flexible as your needs change. 

  1. Planning Beyond the UK

For many clients, retirement isn’t limited to one country. Whether you plan to live abroad, hold assets in multiple jurisdictions, or return to the UK after time overseas, our planners coordinate your retirement strategy with cross-border considerations such as: 

  • Currency and exchange rate risk 
  • Tax residency and double taxation agreements. 
  • Repatriation of assets and income flows 
  • Alignment with offshore investments and pension structures 

Through our affiliated entities regulated in other jurisdictions, we can coordinate retirement strategies for clients with international needs. Hoxton Wealth UK provides advice only within the scope of UK regulatory permissions. 

  1. Managing Investments for Retirement

Your investment approach in retirement should be built around stability, liquidity, and long-term growth potential. We help you design portfolios that balance these goals - ensuring your money works for you throughout retirement, not just until it begins. 

  1. Protecting Your Legacy

A strong retirement plan considers what happens beyond your lifetime. We work closely with our estate and tax planning specialists to help ensure your wealth passes on efficiently and in line with your wishes. 

Why Work with Hoxton Wealth UK

As part of a global advisory group with regulated entities in the UK, EU, DIFC (Middle East), and Australia, we combine local compliance with international expertise. 
For UK-based clients, this means: 

  • FCA-regulated advice tailored to UK tax and pension rules. 
  • Access to a team experienced in cross-border wealth planning. 
  • Integrated support for clients with assets or family abroad 
  • Transparent, fee-based advice with clear outcomes 

Your first consultation is free and without obligation. All advice is subject to our standard engagement process and regulatory scope. 

Getting Started

Your retirement plan should evolve as your life and circumstances do. The first step is a confidential consultation with one of our UK financial planners. 
Together, we’ll review your current position, explore your goals, and outline a clear path toward the future you want. 

FAQs

Important Information

This content is for general information only and does not constitute personal financial advice or a recommendation. Pension and investment values can fall as well as rise, and you may get back less than you invest. Income from drawdown is not guaranteed and may run out; annuities are usually irreversible once purchased. Inflation and tax may reduce the real value of retirement income, and tax treatment depends on individual circumstances and may change. Some services may be covered by the FSCS or FOS, depending on the product and service; investment losses are not FSCS-protected. Hoxton Wealth (UK) Ltd does not advise on defined benefit pensions or pensions with safeguarded benefits. 

Hoxton Wealth (UK) Ltd (Company No. 11180844) is authorised and regulated by the Financial Conduct Authority (FRN 586130). 

How Can We Help You?

If you would like to speak to one of our advisers, please get in touch today.

Manage all your finances in our App

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With our years of financial planning experience, we at Hoxton Wealth are committed to helping you develop your future, focusing on what’s important for you and guiding you to make informed financial decisions. 

Our Philosophy

Financial Planning

At Hoxton Wealth, we believe in a comprehensive approach to financial planning that balances growth potential with security and sustainability.

Comprehensive Assessment

By conducting a thorough assessment of your financial situation, goals, and risk tolerance, we develop a well-rounded financial plan tailored to your needs.

Proactive Management

Our advisors continuously check your financial plan and make necessary adjustments in response to changes in your life circumstances and the economic environment.

Long-Term Focus

We aim to create financial plans that provide long-term stability and growth, helping you achieve financial security and peace of mind.

Downloadable Guides

Free Financial Planning Guides

Expert Advice

Our Financial Planning Solutions

We offer a comprehensive suite of financial planning solutions designed to meet the diverse needs of our clients. Whether you are planning for retirement, saving for education, or managing your wealth, Hoxton Wealth has the ability and resources to help you succeed.

  • 1Financial Assessment

    We start by thoroughly evaluating your financial situation, including income, expenses, assets, and liabilities. This assessment lays the groundwork for creating a solid and effective financial plan.

  • 2Goal Setting

    Identifying and prioritizing your financial goals is essential for a focused plan. We work with you to define short-term, medium-term, and long-term goals, ensuring each is achievable and aligned with your life ambitions.

  • 3Strategic Planning

    We develop a comprehensive plan that addresses all aspects of your financial life, including savings, insurance, retirement, and estate needs. Our strategies are tailored to your unique circumstances and goals.

  • 4Collaboration with Investment Managers

    By working closely with investment managers like Aditum, we ensure that your investments are aligned with your financial plans and goals, providing a cohesive and integrated approach to wealth management.

  • 5Retirement Planning

    We create a robust retirement plan that focuses on building sufficient retirement savings and generating sustainable income throughout your retirement years.

  • 6Estate Planning

    Our estate planning services help you structure your assets for optimal distribution and legacy preservation, ensuring that your wealth is transferred according to your wishes.

  • 7Tax Planning

    Minimising taxes is key to maximising your wealth. We offer expert guidance on tax-efficient strategies to enhance your after-tax income and protect your wealth.

  • 8Insurance Review

    We assess your insurance needs to ensure you have the right coverage in place to protect your financial health and provide peace of mind for you and your family.

  • 9Education Planning

    Preparing for future education costs is crucial. We help you plan and invest in education savings, ensuring that you can support your children's academic goals.

  • 10Plan Monitoring and Adjustment

    Financial planning is not a one-time event; it’s an ongoing process. We regularly review and adjust your financial plans to reflect changes in your life circumstances and goals, ensuring your plan remains relevant and effective.

  • 11Client Education

    We believe in empowering our clients through education. We provide ongoing support and resources to help you understand and implement effective financial strategies, enabling you to make informed decisions.

The Hoxton Wealth App: Your Financial Planning Companion

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Comprehensive Dashboard

View all your financial plans in one place with our intuitive dashboard. Monitor performance, track progress, and stay updated with real-time data.

WealthFlow

Our innovative WealthFlow feature offers a holistic view of your financial health by allowing you to connect and synchronise your bank accounts and investment accounts. This integration enables seamless tracking of your finances and better financial planning.

Goal Tracking

Set and track your financial goals within the app, receiving regular updates and insights to help you stay on course.

Live Net worth Tracker

Keep an eye on your overall financial health with our live net worth tracker, which aggregates data from all your accounts to offer an up-to-date view of your net worth.

Secure Document Storage

Store important financial documents securely in the app, ensuring you have access to them whenever needed.

Alerts and Notifications

Stay informed with custom alerts and notifications on market movements, financial plan updates, and opportunities to enhance your financial strategies.

Testimonials

What our clients have said



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Join Hoxton Wealth Today

By transforming our approach and embracing the latest technological advancements, Hoxton Wealth is poised to lead the way in modern financial advisory. Join us as we redefine what it means to plan. 

Contact us today to schedule a complimentary consultation and discover how Hoxton Wealth can help you achieve your financial goals. Together, we can build a brighter financial future.