Retirement planning can seem a bit complicated, a bit dull and too far away to worry about if you’re in your 30’s or 40’s. However, spending the time and planning your retirement income, or even better, mapping out your retirement incomes, can benefit you and make you richer in later life.

The sentiment around ‘retirement’ has evolved, as for many people nowadays it no longer means the day they stop working for the company they’ve just spent the last 40 – 45 years at–looking forward to a handshake from the chairman and a gold-plated watch.

Below are 10 of the top retirement planning providers in the UK, specially curated by the Money & Investing Digest team.

Aviva Life Protection

Whether you’re years from retirement or it’s just around the corner, it’s important to consider the lifestyle you’ll want when you hit that all-important milestone. That way, you can work out how much you should be putting away and the different ways you can use your pension money too. Here you can learn about pensions from scratch, understand more about your retirement income options and plan what to do if something changes in your life. 

Retire Easy

RetireEasy is the UK’s most powerful independent retirement planning tool – it’s easy to use and lets you take control of your finances.

Fidelity

Whether you’re simply after some free guidance or need more personalised advice, their retirement specialists can help you get ready to retire. Use their handy calculators to compare your income and expenditure, the options open to you and how much tax you might have to pay.

Money Farm

  • Real diversification: They combine different asset types, geographies and currencies to target long-term growth at low cost and the right level of risk for your retirement.
  • Target date approach: Rebalance your portfolio as your retirement date approaches, shifting from riskier assets such as equities in the earlier years, towards lower-risk investments.

Which?

Which? help with retirement planning with comprehensive guides and checklists to help you begin the preparation process.

Simply Pensions

Simply pensions specialise in providing bespoke recommendations to people planning for retirement. They offer comprehensive jargon free advice that is tailored to your situation, needs and personal goals.

AIG Retirement Services 

Founded in 1955, AIG Retirement Services provides financial planning and retirement services for nearly two million people in public K-12, higher education, healthcare, government and other not-for-profit institutions. We’re here to help you set your financial goals, stay on track, and achieve the future you envision.

Nutmeg

A personal pension could greatly improve your quality of life after work. How much ultimately rests on how much you’re willing to pay in and how your investments perform. That second part is where Nutmeg comes in…

Age UK

Age UK is the country’s leading charity dedicated to helping everyone make the most of later life.

The over-60s is the fastest-growing group in society and there are more of us than ever before.

Ageing is not an illness, but it can be challenging. At Age UK we provide services and support at a national and local level to inspire, enable and support older people.