Cooper Associates Accountants


Caring for your long-term plans into retirement

In retirement your previous income from employment or self-employment may need to be replaced with an alternative form of income. It’s important to receive expert and professional advice on your pension plans and requirements.

Pre-retirement you may want to understand how much you should be saving for your later years, or maybe review the existing provisions you’ve already made.


It may be that you’re concerned with a potential shortfall in retirement income or simply want assurance your plans are adequate and on track. What is certain is the need to regularly review your pension plans and requirements in advance of retirement.

At retirement the options available are complex. Perhaps you need guidance on whether to consider purchasing an annuity or taking an income from a Flexi-Access Drawdown Plan. We will work closely with you to identify those things that are important to you and help you to make the right decision


  • Personal Pensions
  • SIPP
  • SSAS Pension
  • Group Personal Pension
  • Auto Enrolment

Options at Retirement

  • Flexi-Access Drawdown
  • Uncrystallised Funds Pension Lump Sum (UFPLS)
  • Annuity

The value of an investment will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

Let's talk about your future