Financial Planning Centre

It’s never too early to start planning the future you want. The Financial Planning

Centre brings all your options into one place – so it’s easy to find what you need.

Retirement tips for the over 50s

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan, and when you decide to draw down on this. Remember, the value of your pensions can go up as well as down, and can fall below the amount(s) paid in.

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Ready to retire

Get retirement ready. If you’re over 50, we’ve got the resources to help you prepare for the next stage of life.

Over 50s pension tips

Money in retirement

Read up on how to make the most of your money in retirement.

Courtesy of the pension experts at Scottish Widows.

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Pension Calculators & Tools

Calculate and compare your pension options using these tools.

Courtesy of the pension experts at Scottish Widows.

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Approaching Retirement

Find the “Approaching Retirement” brochure and read more about important topics such as what your retirement options are, accessing your pension, preparing for spending shifts and lots more.

Courtesy of the pension experts at Scottish Widows.

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Sustainable pensions

What you invest in can make a big difference to the planet. Find out about big plans Scottish Widows have to make their pensions more environmentally friendly.

Courtesy of the pension experts at Scottish Widows.

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The pension gender gap

In 2021 the average pension gap between men and women was £100k. Find out how the pension experts at Scottish Widows are working to close it.

Source: Scottish Widows Women & Retirement Report 2021.

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Transfer your pensions

It's easy to lose track of different pensions pots. Consolidating your pensions and bringing them together can make them easy to manage, and save you time and charges.

Show me how

Savings and Investments

Savings accounts are a low-risk and accessible way to look after your money. If you’re looking to grow some of your money faster, you might consider investing.

Remember: The value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.

About ISAs

With an ISA (Individual Saving Account) you can save or invest tax efficiently.

Your ISA options

Start investing

Ready to start investing? Read the beginner’s guide to get you started in five simple steps.

Beginner’s guide to investing

Research the market

Our research centre has the latest market news and more.

Research tools

Home and Mortgages

Home has never been so important. Whether you’re renting, want to buy a property or make some improvements, we’re here to help.

You could lose your home if you don't keep up with mortgage repayments.

Want to pay off your mortgage sooner?

Find out how much you could save by overpaying on your mortgage.

Overpayment Calculator

How green is your home?

Find out how energy efficient your home is with our Home Energy Saving Tool.

Save energy
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Renovate and Remortgage

If you already have a mortgage with us, you may be able to borrow more for home improvements.

Mortgage options

Wealth Management

Expert advice for you, every step of the way. Wealth management and financial advice from our partners at Schroders Personal Wealth.

Am I eligible?

You need to have at least £100,000 of sole/joint savings, investments and/or personal pensions, and/or £100,000 of sole annual income.

Check conditions

How much does it cost?

It starts with a free no-obligation consultation. You’ll only pay an agreed fee if you want to go ahead with the advice.

Check pricing

Pension planning

Plan for your later years. Access expert advice to make the most of your pension.

Pension advice
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Invest in your future

Schroders Personal Wealth has the expertise to help you grow your wealth, even in a volatile market with low interest rates.

Get expert advice
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Inheritance tax

Help to pass on your wealth to your family or other beneficiaries, in a tax-efficient way.

Pass on your wealth

Protect your family’s future

Your protection options. Schroders Personal Wealth won't take commission for getting you and your family protected.

Learn how

How to talk to an expert

Speak to a Schroders Personal Wealth Adviser, from the comfort of your own home. It’s easy to do via our video online chat or by phone. Book your free, no obligation appointment today.

Book an appointment

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.  Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.