Pensions & Retirement Planning

Your pension is one of the most important foundations of your financial future — but understanding how it all fits together can feel complex.

At HerPerspective, we help you bring clarity to your retirement planning. Whether you’re reviewing existing pensions, considering consolidation, or planning how to turn your savings into a sustainable income, we provide expert guidance to help you move forward with confidence.

A clear, joined up approach to your pensions

Many people build up multiple pension arrangements over time, often across different providers and employers.

We help you:

• Understand what you have and how it’s performing
• Bring pensions together where appropriate
• Ensure your investments reflect your goals and attitude to risk
• Create a clear plan for when and how you can access your income

The result is a more organised, transparent and manageable retirement strategy — designed around your life.

Pension sharing orders and divorce

Pensions are often one of the most valuable assets to consider during divorce, yet they can also be one of the most complex.

If a pension sharing order is put in place, it’s important to understand:

• What benefits you will receive
• How they are structured
• How they fit into your wider financial position

We work closely with clients navigating divorce to help them make sense of pension arrangements following a settlement. From setting up a new pension to ensuring it is invested appropriately, we help you turn what can feel like a complicated outcome into a clear, workable plan for the future.

Financial advice through HerPerspective is provided by Perspective (Cockburn Lucas). Perspective (Cockburn Lucas) does not provide legal advice, so we recommend seeking independent legal advice to help you with the divorce settlement itself.

Building a sustainable retirement income

As you approach retirement, the focus shifts from building wealth to using it effectively.

We’ll work with you to:

• Help create a sustainable income strategy
• Manage key risks, including inflation and market volatility
• Plan with confidence for a retirement that could span decades
• Our aim is simple: to help ensure your money supports you for as long as possible

Ongoing advice, every step of the way

Retirement planning isn’t a one-off decision. As your life evolves, your plans should evolve with it.

Through regular reviews and ongoing support, we help you stay on track — giving you continued clarity and confidence in your financial future.

Start planning with confidence

Whether you’re bringing pensions together, planning for retirement, or navigating changes following divorce, we’re here to help you make informed, confident decisions about your future.

The Financial Conduct Authority does not regulate taxation advice. The value of investments (in a pension) can go down as well as up and you may get back less than the amount invested.