Financial success isn't about how much money you have, but being able to enjoy life to the full.
Some of us have a clear idea of what we would like to do in retirement; travel, take up a new hobby, help
look after grandchildren or start your own business. It's often harder to figure how we get there and
understanding the many important decisions that need to be made.
Do you know how much income you'll need in retirement or at what age you'll retire?
Knowing what type of retirement lifestyle you can achieve or knowing when you can retire doesn't need
to be a mystery. We can help you on how best to save for your retirement income, whether your plan is
to; maximise your pension contributions, use your available pension allowance or work towards a
retirement date, we can advise you every step of the way.
Retirement Planning and Options
There are usually significant decisions that you must take when approaching retirement, having one of
our expert financial advisers advise you and map out the journey to retirement,
providing you the peace of mind that
your core goals and ambitions at retirement are met.
Do you know when you can afford to retire and how much you are likely to need?
Our independent financial advisers are specialists in pension advice plus retirement planning and they can help
Ensure that your current contributions are on target to reach your goals
Calculate when and how much money you will need in retirement
Review your existing investments held within your pensions to make sure they are achieving the
growth you require at the appropriate level of investment risk for you
Use your annual allowance, and navigating the complex tapered annual allowance for higher
Make extra pension contributions using pension carry forward
Assess your pension against the lifetime allowance tax charge
A one size fits all approach doesn't work, your needs and objectives are individual to you. We believe
what may be right for one person, won't necessarily be right for another. It is important that your
circumstances, goals and options are assessed in detail before a decision is made. We work with you to
build a retirement investment plan.
Continually reviewing your plan
Plans change, new opportunities arise and what you are doing at age 45- 50 could be completely different
to when you reach 70 – they usually do! Throughout our relationship we will meet with you regularly to
make sure your pensions and financial lifestyle plan will continue to meet your needs.
We are reaching out to any of our clients who are on their own, in a high risk category and do not have any
support around them, do please let us know so we can help.
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