Alternative retirement plan advice

At Beaumont Wealth, our FCA-regulated advisers have over 25 years of experience helping individuals and families across Shropshire, Cheshire and North Wales create alternative retirement plans that offer flexibility, security, and peace of mind.

We can help you explore flexible pension alternatives, tax-efficient savings strategies, and diverse investment opportunities to put you on the path towards a financial future you can feel confident about.

What does a retirement plan adviser do?

A retirement adviser is a financial expert who specialises in helping clients prepare their finances for life after work. At Beaumont Wealth, we create tailored investment and income strategies so you can retire with confidence.

Our advisers:

• Create bespoke pension and alternative investment plans
• Manage and review your retirement account and account balance
• Provide estate, income tax relief, and inheritance guidance
• Help you make the most of employer contributions and savings options

How our retirement planning process works

• Understand your situation
  We begin with a comprehensive review of your current situation, reviewing relevant documents, employment benefits, savings and retirement expectations.
• Build your personalised retirement plan
  Your adviser will build an Alternative Retirement Plan (ARP) tailored to you, considering your current earnings, pension pots, personal pension, and ARP account, factoring in free withdrawals, election form choices, and your investment ability.

• Plan your retirement income
  We’ll explore options such as annuities, drawdown and traditional retirement plans, always keeping your future tax position and income tax relief opportunities in mind.
• Decumulation and ongoing support
  Our support continues after you retire, which means we support you through the decumulation phase – managing your income, reassessing goals, and adapting your strategy as needed.

Is alternative retirement planning right for me?

Our services are ideal if you:

• Want to explore alternatives to pension funds
• Are considering early retirement or semi-retirement
• Have multiple pensions or ISAs you’d like to consolidate
• Need guidance with contribution plan decisions
• Require support with tax-efficient investment or university tuition savings
• Want to leave a financial legacy for your family
• Already work with a pension provider but want to explore other alternatives

Managing multiple pension pots

Over your career, you may have built up several pension schemes across different employers. We can help you:

• Consolidate them into a single, easy-to-manage retirement account
• Optimise employer contributions across your plans
• Understand each plan’s rules and potential charges
• Reduce fees and improve growth potential across your retirement portfolio

Retirement planning mistakes to avoid

Here are some common mistakes to avoid:

• Delaying savings or pension contributions
• Ignoring available tax relief or income tax relief options
• Relying solely on the State Pension or a single pension provider
• Overlooking inflation and future cost-of-living increases
• Failing to monitor your account performance regularly

State and workplace pensions

The State Pension provides a regular income from the government once you reach retirement age, while workplace pensions are set up by employers, with both you and your employer contributing. If you move jobs, your workplace pension remains yours, and you may build up several across your career. Speaking with a retirement specialist can help you understand how these pensions fit into your wider plans.

Self-Invested Personal Pensions (SIPPs)

SIPPs offer a more flexible way to save for the future, giving you greater control over how your pension is invested. They allow you to choose from a wide range of funds, shares, and other investments, making them a valuable option for those who want to be more hands-on. Retirement plan advisers can provide tailored retirement investment advice to ensure your SIPP choices support your long-term goals.

Why use our retirement planning services

Tailored advice
Our planning is always personal. Whether you’re focused on lifetime ISAs or building your personal pension, everything is built around your income, goals and risk profile.

Peace of mind
We take the complexity out of retirement. From filling out your election form to selecting the right mix of other asset classes, we handle the details, so you don’t have to.

Legacy planning
We help ensure your wealth is preserved for the next generation – maximising tax relief and minimising liabilities.

Portfolio management
Your adviser will actively manage your investments, adjusting your portfolio to maximise returns and limit risk across markets and pension alternatives.

Our retirement plan services are designed to provide flexible, regulated advice that supports your long-term financial security and retirement goals.