Understanding the changes to pension allowances
From 6 April 2024, new pension allowances will replace the Lifetime Allowance when taking benefits from your pensions. Find out what this could mean for you.
Retirement advice
Helping you achieve the retirement lifestyle you want.
Retirement advice from Aberdeen
Whether you’re already retired or are thinking about retiring soon, our financial experts can help you make the right financial decisions at the right time.
Together, we can:
- develop a plan for those big retirement decisions – such as, when to retire, how to fund big purchases and how to take your pension
- determine how much income you’ll be able to take each year, while aiming to make sure your savings last as long as you need them to
- make sure your money is invested the right way, and your investments remain on track and in line with your retirement goals
- help you to tax-efficiently pass on your wealth to your loved ones in the way you’d want
The value of your investments can go down as well as up and you may get back less than you paid in.
Tax treatment depends on the individual circumstances of each investor and may be subject to change in the future.
What does it cost?
Free initial consultation
Your initial consultation is always free, so you can find out if our service is right for you.
No hidden fees
You don’t pay anything until you’ve seen and agreed the fee for the services you want us to provide.
Pick and mix
Your needs are unique and we have a range of services to meet them. We’ll find the right mix for you.
Value for money
We have your interests at heart. If we don’t think you’ll get great value for money from our service, we’ll say.
What you pay is based on the services you use. All charges are taken as a percentage of the assets we advise on. Our one-off set up fee is 1-1.5% and our ongoing charges are 0.59%-0.99%. Minimum annual charges apply.
Retirement guides
You have a lot of choice when it comes to taking money from your pension savings. While this gives you flexibility, it can also make things feel more complicated. Take a look at our guides to learn more about what your retirement could look like
Early retirement
A look at how to make early retirement work for you, including ways to save, what it means for your pension and how to work out your retirement income.
Managing your money in retirement
There are a lot of unknowns when it comes to your money in retirement. Our guide covers what you need to know about spending, budgeting and tax.
Tax and working in retirement
Many more people are choosing to do some sort of work in retirement, but 73% don’t know about the tax implications of this.
Why choose Aberdeen?
Aberdeen has been helping people look after their financial futures for nearly 200 years. We offer restricted advice. That means we use the Aberdeen Wrap as our core platform, and our investment products like Aberdeen MyFolio Market and Aberdeen Client Portfolios. Each portfolio is made up of a range of funds provided by different fund managers, acknowledging where each can deliver diversity, specialist knowledge and strength. Where we don’t have a product suitable, we have a panel of providers and solutions that let us find the right solution for your needs.
5 Star Defaqto Rating
The highest rating available in 2024 for the service and support we offer.
Trusted with £4.3bn assets
Advising and managing these for our clients (as at 31 December 2023).
60+ expert advisers nationwide
To help you achieve your financial goals.