Retirement Professionals@RetirementProf

Retirement Professionals are a team of Independent Financial Advisers based in Worsley, Manchester. We offer tailored advice on Pensions & Investments.

 Greater Manchester, UK
retirementprofessionals.co.u…
Joined March 2014
102 Photos and videos
What happens to my pension income when I die?" If you buy the wrong annuity, the answer is: it stops. And it can't be undone. Here's what couples need to know: retirementprofessionals.co.u…

Joint Life Annuities Explained | Protecting Your Partner | Retirement Professionals

A single life annuity stops when you die. A joint life annuity keeps paying your partner. Here's how the options work and what each one costs in income.

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Pension scams don't look like scams any more. 7 warning signs, and the 30-second check that stops most of them: retirementprofessionals.co.u…

Seven Warning Signs of a Pension Scam | Retirement Professionals

Pension scams are more sophisticated than ever and often look completely legitimate. Seven warning signs to know, and the single check that stops most of them.

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Annuity or drawdown? Certainty vs flexibility. The honest answer for most people is a bit of both - here's how to think about it: retirementprofessionals.co.u…

Annuity or Drawdown? How to Decide | Retirement Professionals

Annuity or drawdown - or both? An honest look at the trade-offs between guaranteed income and flexibility, and the questions that decide which suits you.

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The year before retirement is when the biggest financial decisions land, and when rushed choices cost the most. 5 things to sort before your last day at work: retirementprofessionals.co.u…

Retiring in the Next 12 Months? Your 5-Point Checklist | Retirement Professionals

Finishing work within a year? Five things to sort before your last day — from tracking down pensions to choosing how to take your income. Free first meeting.

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National Financial Awareness Day. Everyone's talking about subscriptions and budgets. Here are 5 questions that matter more — and most people can't answer them: retirementprofessionals.co.u…

National Financial Awareness Day | Five Retirement Questions | Retirement Professionals

It's National Financial Awareness Day. Most advice focuses on budgeting — but the questions that shape your retirement are rarely asked. Here are five worth answering.

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Annuity rates today are still up to 60% higher than 2021. If your retirement plan assumed old rates, it might be time to check again: retirementprofessionals.co.u…

Annuity Rates vs 2021 | Why Your Pension Could Buy More Income | Retirement Professionals

Annuity rates remain up to 60% higher than in 2021. If your pension plans assumed the rates of a few years ago, your income could be significantly higher than you think.

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The average UK worker changes jobs 5-6 times, and leaves a trail of pension pots behind. Combining them: sometimes smart, sometimes a costly mistake. How to tell the difference: retirementprofessionals.co.u…

Should You Combine Your Old Pensions? Pros & Pitfalls | Retirement Professionals

The average worker builds up multiple pension pots — but is combining them a good idea? The benefits, the traps to avoid, and when to take advice first.

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High blood pressure. Diabetes. Ex-smoker. Any of these could mean up to 60% MORE guaranteed pension income. Most people never check. What an enhanced annuity is and how to qualify: retirementprofessionals.co.u…

What is an Enhanced Annuity? | Up to 60% More Income | Retirement Professionals

An enhanced annuity could pay you up to 60% more guaranteed income if you have a health condition or lifestyle factor. Find out how they work and if you could qualify.

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UK inflation: 2.6%, down from 2.8%, lowest in 15 months. Good news — but core inflation hasn't moved and there's more to come from energy prices. What it means for your retirement income, in plain English: retirementprofessionals.co.u…

UK Inflation Falls to 2.6% | What It Means for Your Retirement

UK inflation has fallen to 2.6%, a 15-month low. Here's what the fall — and the risks still ahead — mean for your retirement income plans.

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Pensions have long been the most IHT-friendly asset you could leave behind. From April 2027, that's due to change. Who's affected and what to do about it: retirementprofessionals.co.u…

Pensions & Inheritance Tax: What April 2027 Means for Your Estate

From April 2027 unused pensions are due to count towards inheritance tax. Find out who is affected, what it could cost, and the planning options to discuss now.

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Most sportspeople don't fail financially through lack of discipline — the system just wasn't built for short careers and sudden income. The 5 mistakes to avoid: retirementprofessionals.co.u…

Five Financial Mistakes Professional Sportspeople Make | Retirement Professionals

From unprotected injury risk to too-good-to-be-true tax schemes — the five financial mistakes we see professional sportspeople make, and how to avoid every one.

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Standard Life have increased their annuity rates today, meaning higher guaranteed income may now be available. If your pension is maturing soon, it’s a good moment to compare the market. Free quote: retirementprofessionals.co.u… #retirement #PensionAnnuity #GuaranteedIncome
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Canada Life have reduced their impaired annuity rates today. If your pension is maturing soon, now’s the time to compare the market to make sure you’re still getting the best guaranteed income. Free, no‑obligation quote: retirementprofessionals.co.u… #PensionAnnuity #ImpairedAnnuity
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The Treasury has confirmed major ISA reforms, including a 22% levy on cash held in Stocks & Shares ISAs and new transfer restrictions from April 2027. Full breakdown here: retirementprofessionals.co.u… #InvestmentStrategy #RetirementProfessionals
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LV= have reduced their Fixed Term Annuity rates today. If your pension is maturing soon, now’s the time to compare the market to make sure you’re still getting the best guaranteed income available. Get a free, no‑obligation quote: retirementprofessionals.co.u… #FixedTermAnnuity

Fixed Term Annuity Calculator | Compare Quotes & Guaranteed Maturity Values | Retirement Professi...

Compare fixed term annuity quotes from leading UK providers with our free calculator. Choose your income, term and get a Guaranteed Maturity Value (GMV). Whole of market search. Call free: 0800 098...

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HMRC IHT receipts dipped in April & May — but don't be fooled. Frozen thresholds + pensions entering the IHT net in April 2027 = more families facing a liability than ever before. Is your estate prepared? 👇 retirementprofessionals.co.u… #InheritanceTax #IHT #EstatePlanning

Inheritance Tax Receipts Fall But Long-Term Liability Rises | Retirement Professionals

HMRC data shows IHT receipts dipped in April and May 2026 — but frozen thresholds and the 2027 pension changes mean more families face a liability. Find out what this means for your estate.

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From April 2027, unused pension pots will be included in your taxable estate for the first time. If you haven't reviewed your IHT position recently, now is the time. Free initial consultation 👉 retirementprofessionals.co.u… or call 0800 098 7050 #InheritanceTax #Worsley #Manchester

Pension Advice & Annuities | Independent Financial Advisers | Worsley, Manchester | Retirement...

FCA-regulated independent financial advisers in Worsley, Manchester. Whole-of-market annuity comparison, pension advice, investments and inheritance tax planning. VouchedFor Top Rated Firm 2025-2026....

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Annuity Rate Change - Scottish Widows - Standard and Impaired (DOWN) #pensions #annuity #retirement #annuities #guaranteedincome #norisk #annuitycalculator #annuityrates #enhancedannuity #compareannuities #pensionannuityrates #impairedannuity #standardannuity
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Annuity Rate Change - Legal & General - Fixed Term Annuity (DOWN) #pensions #annuity #retirement #annuities #guaranteedincome #norisk #annuitycalculator #annuityrates #enhancedannuity #compareannuities #pensionannuityrates #impairedannuity #fixedtermannuity #fixedtermannuities
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Annuity Rate Change - Legal & General - Standard and Impaired (DOWN) #pensions #annuity #retirement #annuities #guaranteedincome #norisk #annuitycalculator #annuityrates #enhancedannuity #compareannuities #pensionannuityrates #impairedannuity #standardannuity
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