Retirement Planning

Retirement Planning

We work all our lives so we can retire, so we can do what we want with our time. The way we spend our time defines who we are and what we value and our retirement dreams will undoubtedly require additional income which will need to last many years. Careful planning can help you achieve those dreams….

Retirement isn’t something which you can save for in the short term, it involves years of planning and saving to ensure you can lead the lifestyle you want and give you an income that will last you throughout your future years. It is clear that the basic state pension will not allow us to fund an adequate lifestyle and investing in a pension is one of the few ways we can actually get a helping hand from the tax man and crucially with the government introducing “Pensions Freedoms” rules in 2015 this gives individuals complete freedom in terms of what you can do with the funds you have built up in the years leading up to retirement.

Benefits of speaking to us for Financial Advice

– A full review of you existing defined contribution and final salary pensions with a detailed report outlining how much they are expected to provide you with in retirement.

– An in-depth discussion about your retirement goals and how close you are to achieving those so you don’t have any nasty shocks come retirement.

– Options to invest into a pension saving tax and giving you the ability to boost your pension savings or perhaps consolidate old pension plans to give you greater control and improved investment performance.

– Thorough benchmarking of your existing investment performance and charges taken to ensure you are investing wisely.

– A bespoke recommendation personal to you with no pressure to act on the advice.  
Important information Stock market-based investments are not like building society savings accounts as your capital is at risk and you may get back less than you invested. The value of your investments and any income from them may fall as well as rise.