Pre Retirement planning: The road to retirement

“We believe that your savings are there to help ensure your financial security but more than that, create memories, to do the things that you have always wanted to do and to create a legacy for the ones that you love.”

The idea of “Retirement” has changed greatly over the last 10-15 years.

Although retirement is often seen as a stage for later in life, the earlier you can start planning the sooner you will have a clear picture of what your future could look like.

Whatever your ambitions, we will help you build your personal solution and work with you to help you achieve it.

Retirement planning can be a tricky goal to plan for with more options available and more decisions to make than ever before. With the increased pressure of are you saving enough balanced with enjoying your life now.

This is where we can help, with expertise in all areas of pension planning, we can simplify this potentially complex area for you.

Using our experience and knowledge, we will explain your options clearly putting you in an informed position, tailoring our advice to you keeping your goals and aspirations at the heart of the recommendations we make.

Post Retirement: Enjoy the fruits of your labour

Retirement planning has changed drastically in recent times with more and more traditional pensions not being viable and annuity rates falling to levels that might not be able to provide the income people need.

This has led to is people retiring later or in some cases not at all.

Planning is essential, we guide our clients within their retirement goals looking at what they would need for essential, what discretionary spending they would like to have and ultimately what they would ideally like retirement to look like.

With this information we look to produce a cashflow model which will help us assess what is affordable and achievable.

This is essential to ensure clients have the confidence they wont run out of money and can enjoy retirement to its fullest.

By investigating and assessing a number of solutions and then utilizing the correct one or group of options that best meets our clients needs.

Pension Risk Warning

Pensions and retirement planning are a long-term investment and as with all investment your capital is at risk. The value of your portfolio will go down as well as up and you may get back less than you invest. The more risk you are prepared to take the more the value will change, up and down.

It is important to invest in a risk profile you are comfortable with and only take risks that you can afford to take, ensuring you have monies available to help with unexpected costs. In addition to this tax treatment of pensions may change in the future and we give advice based on your current circumstance but this may change in the future, which is why we strongly recommend regular financial reviews.

Future interest and Tax legislation

Information is based on our understanding of tax legislation and regulation, any levels and bases of and reliefs from taxation are subject to change.