For those looking to gradually transition into retirement, our phased retirement options allow you to start drawing from your pension while still working part-time. This option is ideal for individuals who want to reduce their working hours without fully retiring. Phased retirement helps smooth the transition by providing financial flexibility and maintaining an ongoing income stream.

• Gradual Transition: Move into retirement at your own pace, reducing working hours without stopping completely.

• Flexible Withdrawals: Access pension funds in stages, as needed.

• Continued Contributions: Keep building your retirement savings even as you reduce your work hours.

• Spread Tax Liabilities: By gradually withdrawing funds over multiple years you can spread your tax liability, taking advantage of personal allowances and tax thresholds each year.

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At Heritage, we’re here to help you plan for a successful retirement. Whether you’re just starting out, preparing for retirement, or already living in it, our range of retirement products is designed to meet your needs. Contact us today to learn more about how we can help you build the retirement you’ve always dreamed of.