Retirement Planning

Whether you’re just starting out saving for your retirement or you have some pensions and you want to see if you’re on track to meet your financial goals in your retirement, we’re confident we’ll be able to give you the advice you need to make the right decision.

With pension freedoms, you have more control than ever before when deciding when and how to use your pension. We’re here to help you make the right decisions based on how best to access your funds with regards to tax, inheritance, and factors such as stock market changes.

Adcas are Chartered Financial Planners based on the Fylde Coast and our long history and reputation is backed up with knowledgeable and friendly staff who can help you find the best solution for your needs.


The three main types of pensions are state pensions, company, and personal pensions.

When you are ready to access your pension, we can help you find the solution that best meets your requirements. This could include Annuity (secure access), flexi access (drawdown), full withdrawal.

There are many factors that affect which option is best for you including:

  • How much money is in your pension pot
  • The amount you would like to draw on a regular basis
  • How often you would like to draw down large amounts
  • Tax thresholds, which might be used on other residual income streams
  • Your family and dependants
  • Your health record

The value of your investment can fall as well as rise and is not guaranteed.

Cashflow Modelling – Your retirement planning made easy

Our cashflow modelling system is great for retirement planning and offers a visual explanation of your retirement income.  It also allows us to test various changes such as withdrawing lump sums or increasing pension payments to instantly see what effect it has on your retirement fund.  For more details, visit our cashflow modelling page, which features a great video explaining it all.

If you would like to have a chat about how we can help you with your retirement planning, please call 01253 405900 or contact us using the form below.

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