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Retirement & Pension Planning

Knowing your retirement options can be invaluable in today’s fast-moving world. 

Many people have no idea what they have saved for retirement or even a sense of what it means for their future. 

At Eames Laurie Financial Services we will help you understand your options and plan for retirement.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.


We will help you to understand what pension provisions you have and explain what it means for your future. 


We will work with you to plan what needs to be done to get you to where you want to be financially when you retire.


We will manage the right investments for you so you can achieve the retirement you want and deserve.


We will be with you on this journey for your lifetime and beyond. Retirement planning is a lifelong process.

"Everything was explained very professionally."

A couple of years ago I was introduced to Eames Laurie whilst looking to reinvest my Stocks and Share ISAs. Their advisers were extremely helpful in directing me toward their ISA managed fund. Throughout the process everything was explained very professionally and at no time did I feel pressured in any way.

I can now monitor and manage my portfolio via their secure website. Would I recommend Eames Laurie ……. definitely without question.

Anon, Newbury (13/05/22)

"Clear advice given in a timely manner"

I have used Eames Laurie for a number of years for a range of financial matters, most recently to financially plan for moving home and to source a mortgage.

As always, the service was client-focused with clear advice given in a timely manner. Liza worked with us throughout the process from setting a budget to sourcing a mortgage, a conveyancing company and suitable life and home insurance. This relieved a lot of the stress commonly associated with a home move. I highly recommend the service for all personal financial planning needs.

C Potts, Hampshire (12/05/22)

"Safeguarding the value of my investments"

I am fortunate to have considerable savings after the sale of a large family home. My plans have never been fixed, with various possible ways to use the money.

James (Jim) Morgan from Eames Laurie has listened patiently during many visits, in conversations ranging over ethical investments, my family matters, further house moves, contingency plans, and general topics of wealth, well-being, and personal values. All the time he has kept a clear eye on safeguarding the value of my investments, including far-sighted steps to reduce inheritance tax, acting as my trusted financial adviser and with the resources of Eames Laurie behind him.

P Grant, Retired, Hungerford (17/05/22)

"Always helpful and very friendly"

I have a very good working relationship and now friendship with Jim, and have done since 2007. His advice and guidance over the years have been perfect and I have recommended him to various people. I have my pension and investments (plus Company investments), and my Mothers investments with him, and we are both very happy.

The staff at Eames Laurie I have dealt with have always been helpful and very friendly. 

M Sharpe, East Sussex (13/05/22)

"Realistic, comprehensive and truthful advice."

My wife and I have used Eames Laurie for a few years now. The advice given by them has always been realistic, comprehensive and truthful. The products they recommended for us are working well. They really take the time to understand your needs and explain everything in an easy and understanding way. I would recommend using Eames Laurie Financial Services all for financial matters.

P Bliss (2019)

We all know it’s important to plan for retirement

But many of us are not planning well, or early enough. Some aren’t planning for retirement at all. 

Your pension is one of the most important, long-term savings commitments you will make. Planning your pension sooner, rather than later will mean you’ll have a longer period to meet your financial goals and are more likely to be better off in your retirement.

Your Pension Annual Allowance for 2023/2024

The pension annual allowance is the maximum amount that can be contributed to your pension each year, while still receiving tax relief. The annual allowance for pension contributions in the 2023/2024 tax year is £60,000. However, there are limits to the level of tax relief you can receive. Tax relief will only be given on 100% of your earnings or £60,000, whichever is the lower. This will differ if the reduced Money Purchase Allowance applies, or if your adjusted income exceeds £260,000.

Defined Benefit Pension

A Defined Benefit Pension scheme (also called a 'final salary' pension) is a type of workplace pension where the amount you’re paid is based on how many years you’ve been part of the scheme and the salary you’ve earned when you leave or retire.

  • Your employer contributes to the pension and is responsible for ensuring there’s enough money in the pension pot.
  • They usually continue to pay a pension to your spouse, civil partner or dependants when you die.
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Defined Contribution Pension

A Defined Contribution pension is based on contributions set up by you, or through your employer. You or your employer pay money into the pension pot, typically each month. Defined contribution pensions offer a great deal of flexibility but you may not get out what you put in.

  • Your contributions are invested into funds that will hopefully grow over time.
  • At retirement, the amount of money you receive depends on the amount you paid in, how your money performed and any charges.
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Eames Laurie can help you to organise and manage several types of pensions.

Have a question about your pension?

Our team are listening.


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Pensions made simpler.

Contact us to start planning the retirement you deserve.

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