Everyone needs to plan for their retirement. People are living longer and healthier lives, so it’s even more important to think about how and when to save for retirement and how long to continue working.

Pensions can be confusing and many people don’t know where to begin, especially when there are so many other things to spend your money on. But the truth is that a pension is one of the most effective ways to save money, because you can get tax relief on the money you save in a pension scheme. So, if you do a bit of planning, you can really help yourself get ready for retirement. Making changes now can make a difference to your life in the future. The earlier you start, the better, but don’t assume you’ve left it too late to make decisions about your pension arrangements.

At your selected pension date, you’ll have a number of options to choose from. You don’t have to make these decisions until you’re approaching retirement, when you may want to discuss your options with your financial adviser.

You will have a number of different choices depending on your health, the size of pension pot you have built up, the type of pension you have and how old you are. You don’t have to
buy your retirement income (typically an annuity) from your pension provider. Researching the market to find what is called an ‘open market annuity’ could boost your retirement income significantly.

Contact Us

Call Coffey Brooks today on - 01255 688 400

Our aim is to make your life easier
Contact Us


How Effective Is Your Borrowing?

We Specialise In

  • Residential
  • Remortgage
  • Buy To Let
  • Commercial
Find Out More


How Protected Are You?

We Specialise InProtecting

  • You
  • Your Family
  • Your Business
  • Your Possesions
Find Out More


How Are You Going To Retire?

We Specialise In Retirement Planning

  • Building Your Fund
  • Options at Retirement
  • Drawdown
  • Annuities
Contact Us


How Is Your Money Invested?

We Specialise In Investments

  • Risk Profiling
  • Asset Allocation Modelling
  • Bespoke Portfolios
  • Regular Reviews
Find Out More

Our aim is to make your life easier

As Independent Financial Advisers (IFAs) we provide impartial, unrestricted advice that considers every option on the market, so we are free from bias and able to work in your best interests.

We are are directly authorised and regulated by the Financial Conduct Authority, and we provide advice most suited to your personal requirements. We aim to make all this easier for you.

Why Choose Us

  • We are Independent, we work for you

  • We have three office locations in North Essex for you to visit

  • We have been providing advice to our clients since 2002

  • We have a fabulous support team ready and willing to help you

What Client’s Say