Retirement Planning
Planning for Tomorrow, Today
It’s never too early to start thinking about your retirement. Whether you dream of travelling the world, enjoying more time with family, or simply living comfortably without financial worries, the key is to have a plan in place.
At Cotswold Independent Financial Services, our advisers specialise in simplifying the complexities of retirement planning. We’ll guide you through the options, explain everything in plain English, and help you make the right choices so you can look forward to a secure and enjoyable retirement.
What We Offer
Pension Reviews
We’ll check how your existing pensions are performing and, where appropriate, recommend consolidating or transferring them for better value.
Workplace Schemes
Whether you have a defined benefit or final salary pension, we’ll explain what it means for your retirement and the options available to you.
Guaranteed Income Options
Annuities can provide security by turning your pension pot into a regular income for life. We’ll help you understand if this is right for you.
Personal Pensions
Tailored pension plans that grow with your contributions and can be adapted to your changing needs.
Retirement Forecasting
Using cashflow planning tools, we’ll map out how much income you could have in retirement under different scenarios, so you can make decisions with clarity.
Retirement on Your Terms
No two retirements look the same. Some people want to travel, others want to help their children onto the property ladder, while many simply want peace of mind that their bills are covered. Whatever your goals, we’ll create a personalised plan to help you reach them – and adapt it with you as life changes.
Start Building Your Future Today
The earlier you prepare, the more freedom and choice you’ll have later. Our independent advice means we’ll find the right mix of pensions and investments for your unique circumstances.
Testimonials
We have known Saime Dodwell since 2018. She is very professional, always very prepared for our meetings and has always provided us with excellent advice and help. In the last 18 months she has been invaluable and sorted out any financial issues we have had quickly and efficiently. We have recommended Saime to our friends and family members. She is a financial advisor that we know we can trust.
Dawn Wellings
Paul Corden was extremely helpful and polite and even arranged a payment for me from my pension provider when they were late paying me.
Vivienne Woods
Saime has been our IFA for many years ( 15 I believe ). We are not straight forward customers due to our property portfolio being very diverse. We often chop and change things and generally always I am very impatient. Saime has always been organised and knows her stuff. She’s done life insurance , private health care and mortgages for us. I don’t hesitate to recommend her.
Hayley Privett
Steve was very helpful and efficient.
Chris Furniss
Clear and easy to understand advice given throughout the meetings. I will certainly be using Steve for future advice and planning my financial affairs.
Carl Hillman
We have had bad experiences with IFAs in the past, but Daniel was a revelation- He understood what we wanted to do and was able to make this happen ASAP
Brian Croom
Naomi was very professional and friendly and understood all my financial needs
Juliet Niland
I have found the service to be highly professional, and I am very pleased with my experience provided by Cotswold Independent Financial Services. Thank you
Marie Agnew
Robert was so patient, I know there is pension information out there but with Robert’s one to one advice I believe I can make more sense of my pensions and make the right decisions. It didn't matter how many questions I asked , Robert was able to break everything down so that I understood.