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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.

"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)

"Considerable care and compassion"

I am totally satisfied with the service that I've received over the past two years from Eames Laurie. It has been a particularly difficult time for me, because a few months before, my wife had suddenly passed away. We both had financial investments with Eames Laurie.

I am very pleased to have Sarah Hall as my Financial Advisor. She always explains clearly, the financial advice that she offers. Furthermore, she has dealt with my situation with considerable care and compassion.

J Davies, Moray (09/05/22)

"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)

" I couldn't be happier with the service I received."

I couldn't be happier. I needed a mortgage that would suit my financial situation and that wasn't easy post pandemic. Klaudyna was absolutely amazing at helping me find a mortgage tailored to me. She communicated with me every step of the way, and never made me feel like my goal to be a homeowner was out of reach. I couldn't be happier with the service I received.

A Mcknight, Swindon (06/06/22)

"Thorough, courteous and effective."

My wife and I have been using the services of Eames Laurie for over 18 months. 

During that time, the team, (particularly Klaudyna for mortgages and Lorna for pensions) have been very thorough, courteous and effective in their dealings. They have provided me with various options to consider for each product type with clear explanations to support their advice and recommendations.

I have already recommended the team at Eames Laurie to various family members, friends and work colleagues and will continue to do so.

R Malkani, Stanmore (05/05/22)

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 2022/2023

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 2022/2023 tax year is £40,000. 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 £40,000, whichever is the lower. This will differ if the reduced Money Purchase Allowance applies, or if your adjusted income exceeds £240,000.

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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