Pre Retirement at Opus Gold does not just mean saving into a pension. Although pension planning will form part of pre retirement we do not feel this is the only tax wrapper our clients should use.
In order for you to be able manipulate tax regimes in retirement we firmly believe a combination of other tax efficient wrappers are essential. Furthermore we recognise that your work and income situations change throughout the years so a large degree of flexibility is important to our clients.
We look to design a strategy and plan where a combination of taxable and tax free income for our clients is available for their retirement years. Poor planning in this phase could mean more tax than you need to pay at a time when you will invariably need the money the most.