Planning for your retirement is arguably the most crucial financial decision you will ever make. Regardless of what stage in life you are at, it’s important you have a retirement plan in place. A simple rule is to work out how much money you think you are going to need in retirement. You can have a retirement age in mind, but the sooner you start planning for your retirement the sooner you can retire.

With life expectancy increasing year on year and with pension freedom to retire from the age of 55, it will soon no longer be unusual for people to spend as long in retirement as they did in employment.

Starting early and managing your pension smartly can ensure you have a comfortable retirement. The idea is to have enough money in your pension pot to last you the rest of your life in the later years. Pension planning now is essential to maintaining your standard of living in retirement, whilst perhaps also being able to provide for children and grandchildren. Remember you will have more time on your hands to do the things you enjoy so make sure you have the funds to do so.

Grech Wealth Management fully understands that we are all different and retirement goals will not be the same for all of our clients. We spend time with our clients getting to know them and adapt with their future changes. We provide bespoke pension plans for each individual using our extensive experience to achieve our client’s retirement aspirations.

Whether you have pension plans in place, a scheme at work or old pension plans you no longer contribute to, it’s vital that they are reviewed on a regular basis. Grech Wealth Management takes pride in our ongoing commitment to our clients. Once we review and arrange your pension plan we continue to review the plan on a regular basis to ensure it adapts to changes in your circumstances and attitude to investment risk, as well as with changes in the wider economy, stock markets and your pension funds so that your retirement objective is going to be achieved

Taking advice from an expert financial adviser in this area can make all the difference. The types of pension scheme on which Grech Wealth Management can advise upon are:

  • Stakeholder Pension
  • Personal Pension
  • Self Invested Personal Pension (SIPP)
  • Small Self Administered Scheme (SSAS)
  • Executive Pension Plans
  • Previous Employer Pension Schemes

Accessing your Pension

Since major legislative changes were brought into the area of pensions in 2015, there are now more options for retirees in terms of how they access their pension funds. It’s more important now than ever to take financial advice on your pension funds in retirement than saving for it in the first place. Your pension fund is your income for the rest of your life. Smart pension planning can even allow you to use your pension as a tax efficient vehicle for which to cascade wealth to the next generation, provided other sources from which to draw income have been put in place.

Grech Wealth Management can advise on all types of pensions, so whatever pension you’re looking to review or set up, or even considering your well-earned retirement options, please do not hesitate to contact us.

Risk Statements

The value of pensions can fall as well as rise, you may get back less than you invested.


Investment Planning

Whoever you are and whatever your circumstances, it is likely that you will have financial goals of some sort.

Pension Planning

Planning for your retirement is arguably the most crucial financial decision you will ever make.


Mortgages can be tricky to arrange regardless of their circumstances and can involve a lot of paperwork.


Protection is one of the most important parts of financial planning as it can underpin a large number of needs.

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Grech Wealth Management is a trading style of Fowler Wealth Management Ltd which is an appointed representative of
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Fowler Wealth Management Ltd: Registered in England & Wales, No. 12188526. Registered address: Suite 2, 4 The Limes,
Ingatestone Essex, The Limes, Ingatestone, England, CM4 0BE

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