Pension & Retirement Planning
Pension & Retirement Planning Advice
Planning today for the retirement you want tomorrow. We help you answer the questions that matter most, including:
- Am I on track to retire when, and how, I want to?
- How do I make the most of my pension allowances and tax relief?
- How should I draw my income once I stop working?
Why OCM for Pension & Retirement Planning?
At OCM, we understand pensions and the complexities they bring, because it’s what we do every day. We are honoured to have won multiple awards over the years in recognition of how we do it.
The company has grown through referrals and that is something we are very proud of, as happy clients have referred friends and colleagues to us and that continues to be our greatest source of growth. We feel that giving all clients the OCM Love is reciprocated and ensures we all continue to thrive.
What is Pension & Retirement Planning?
Pension and retirement planning is about building, protecting and drawing down your pension in a coordinated way – not simply picking a fund.
Pension and retirement planning becomes especially important as you approach retirement, or where your pension pots and other assets are growing in value, because decisions made in this phase, when to draw an income, how much to contribute, how to structure withdrawals, can have a lasting impact on your financial security.
Pension & Retirement Planning Services
Our advice spans the full spectrum of pension and retirement planning disciplines, ensuring that every element of your retirement plan works together effectively.
The areas in which we typically advise include:
- Pension Planning – Strategies before, during, and after retirement
- Tax-Efficient Contributions – Making the most of your available tax relief and annual allowance
- Retirement Income Strategy – Sustainable income planning so you can enjoy retirement without uncertainty
- Pension Access & Drawdown – Guidance on when and how to start accessing your pension
- Investment Planning – Long-term portfolio management aligned to your retirement goals
- Inheritance Tax Planning – Considering how unused pension benefits fit into your wider estate
All of the above are considered holistically for every client. We believe effective retirement planning requires coordination, clarity, and long-term thinking, not isolated advice.
Expert Advisers, Chartered Standards
All of our advisers are CII Diploma qualified or above, and each is working towards Chartered status with the Chartered Insurance Institute (CII), reflecting our commitment to professional excellence and continuous development.
Why Engage in Pension & Retirement Planning?
Pension and retirement planning is not just about a single fund. It is about protecting, growing, and eventually drawing on your pension with clarity and purpose. At OCM, we bring structure to your retirement planning, ensuring every decision supports your long-term goals.
Planning
A clear plan that aligns your pension, other investments, and retirement goals.
Tax Efficiency
Structured contributions and withdrawals to make the most of available reliefs and allowances.
Investment Discipline
Strategic, diversified pension portfolios built around your objectives, not market noise.
Retirement Confidence
Sustainable income planning so you can enjoy retirement without uncertainty.
Succession Planning
Ensuring unused pension benefits are considered as part of your wider estate and inheritance strategy.
Holistic Advice
Pensions considered alongside investments, protection, tax and the rest of your financial life, not in isolation.
The Team
Experience matters. Coordination matters more.
Our Chartered Financial Planners supported by individuals embarking on that journey and being at least diploma qualified with the CII, combine deep technical knowledge with a collaborative approach, ensuring that pensions, investments, tax planning, protection, and business interests are aligned within one clear strategy.
Rather than fragmented advice from multiple providers, we deliver structured guidance under one roof — bringing order, discipline, and long-term thinking to your financial affairs.
The result is cohesive advice, delivered with confidence.
Charlie Lodge
Chartered Wealth Manager (CII) / Director
India Riley
Chartered Wealth Manager (CII)
Peter Botterill
Senior Wealth Manager
Frances Noons
Senior Wealth Manager
Scott Dunlop
Chartered Wealth Manager (CII & CISI)
Alice Rose
Associate Wealth Manager
Lewis Green
Associate Wealth Manager
Colin Davis
Chartered Fellow (CISI)
Jessica Wilkins
Mortgage Adviser
OCM Wealth Management
We combine Chartered Financial Planning, Discretionary Asset Management, and Tax Planning to deliver seamless, all-in-one solutions for our clients.
Contact
HQ
Take Control of Your Retirement Today
Take the first step towards a coordinated, long-term retirement strategy. Speak with OCM today or explore our Pension & Retirement Planning Brochure for more details.
