Planning Your Retirement

For a lot of people, retirement means stopping work.  To us it means being able to afford the lifestyle you desire without the need to work. A secure, comfortable retirement is everyone’s dream and because we’re living longer we can expect to spend more time in retirement than our parents or grandparents did.

Helping you clarify and define the lifestyle you want in retirement is the first step we can help you with.  The second step is making sure you will have sufficient wealth to afford that lifestyle and we can help you plan for this too.

We often find that because our clients have such busy lives, or just because they have never sat down to really talk about it, there are often no clear retirement goals.  Imagine just for a moment what you would have done today if you didn’t have to work.  What about next week and the month after that?  It can be hard to do this well in advance which is why planning for retirement is an ongoing process. Even if some broad plans can be made, that is a brilliant start.  We will help you do this.

Almost everything we do has a financial implication.  This is one of the most challenging aspects of planning for retirement.  We will work with you to put plans in place so you can have confidence that you can afford to do what you want and that you will not run out of money.  Understanding your finances puts you in control of your time.  Why continue working if you don’t want to and can afford not to?  It sounds simple but many people just don’t have the confidence to make these big decisions.  We will put you in a position where you understand your financial situation and have the confidence to make these important decisions.  We will be with you every step of the way.

Once you get to the point where you want to retire or partially retire we can help plan your income strategy.  You may have a number of assets (such as pensions/ISAs/Unit Trusts/Bonds etc) from which you could take a capital sum or an income.  We can help you plan this in the most tax efficient and appropriate way given your objectives and circumstances at that time.  This makes sure you get the most from your money; be it in tax saved or extra income.  Again this is likely to be an ongoing process as your circumstances and legislation change.  We will be with you every step of the way.