Retirement Planning

As healthcare and living standards improve, so does our longevity. A male aged 65 is now expected to live to almost 84† and a female even longer. This, along with the attraction of early retirement, means some of us could be looking forward to a happy retirement lasting perhaps more than 30 years.

At the same time, however, birth rates have been falling. Fewer couples are having children – and those who do are having fewer and leaving it later. As a result, a thriving workforce that was once more than able to support our elder population is becoming far less able to do so.

So, whilst we may be looking forward to long and carefree days, finally free of the rat race, the question needs to be asked – is our pension provision good enough to pay for it?

Our bespoke retirement planning solutions have been developed to meet your risk profile, helping you build a fund for retirement. We can also provide advice on consolidating existing pension benefits, including personal and occupational benefits.

† Source: National Statistics Office and Government Actuaries Department, Life tables published in 2014, based on 2012 estimated figures for life expectancy. and

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Buchanan & Associates Financial Planning Ltd.
Skybrae House
28 David Street
AB39 2AL