COVID-19 Notice: Thomas Carroll remain committed to putting our clients at the forefront of what we do. In light of Caerphilly county being placed under local lockdown from 6:00pm on 8th September 2020, we wanted to remind you that we are fully operational whilst working from home, so that we can continue to provide the same quality service that you normally enjoy from our team. To find a contact number for a member of our team, please click here.

Visit our COVID-19 risk management updates and advice hub here. If you’re in business, we have produced a number of guides, checklists and templates to help with your return to work preparations and ensuring your workplace is safe for your employees in these challenging times.


When do you want to retire?

Retirement is no longer a fixed time in your life. You can take early retirement or carry on working beyond state pension age, the choice is yours.

If you decide to retire early, you can currently claim your workplace or private pensions from the age of 55. Your state pension will not be available until you reach state pension age.

Taking early retirement can be an attractive option, but you should remember that you are likely to receive a smaller pension if you retire early.

If you carry on working beyond state pension age, you will no longer have to pay national insurance. You can also delay drawing out your state pension which means you will receive a higher amount when you retire.

Thinking of transferring your Defined Benefits Pension? Click here to learn more and read our key considerations.

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