Retirement Planning Advice

Saving for retirement

The best time to save for retirement is when you’re young and starting out on your career, which, unfortunately, is also likely to the time you can least afford it.

But if you want to live comfortably in retirement, the value of your pension savings will almost certainly need to be worth more than your home. So making the right decisions early will make a difference.

We can help guide you in finding the balance between living today and saving for tomorrow.

We offer a range of services to help you meet your retirement objectives. We provide independent investment advice which we will discuss with you as described in our important information about our services document which will be provided at the first meeting.


At retirement planning

There are now more choices available to you at the point of retirement than ever before.

On 6 April 2015 changes to the way in which pension benefits can be taken came into force, which added to the considerations and options available with retirement planning.

Fortunately our advisers can guide you with tailored retirement planning advice to help you derive a suitable solution from your pension savings, other investments, and assets that you may have built up through your working life.

Our advice is based on the funds that you have accumulated, there are many things to ponder.

It’s a question of balancing what is realistically achievable while thinking about how a retirement fund may be effected by inflation and investment risk.

Your retirement fund is an extremely valuable asset.

We take care to look at everything that could affect its ability to provide for you and your family including income sustainability, planning for unexpected longer term costs and efficient legacies.

Get in touch today to find out more about how we use our experience and qualifications to help you get the best from your retirement fund(s) and truly aligned to your needs.



Living in retirement

Once you’ve been retired for a few years the strategy now is about managing your finances while living in retirement.

This isn’t easy. We rarely hear clients say that they have more income in retirement than they need. This is when investment needs typically change from capital growth to income and getting it right is even more important.

Get in touch today to find out more about how we can help you achieve the retirement you deserve.

We also offer long term care funding and equity release advice services.

Do note the following:

A pension is a long-term investment. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

The value of investments can fall as well as rise and you may not get back the amount originally invested.

Thank you for all your help in structuring the financial details of my retirement as professionally and efficiently as you
did. It was certainly a comfort for someone not in financial services to have such expertise on hand to evaluate our
requirements and develop a suitable solution. It gives my wife and I great confidence and peace of mind to know that
our investments and pension payments are under such professional management.

Mr O.

Bristol, 12/2023

We have been working with Rathmore Financial since 2018 and have been very pleased with the advice and the
services provided. We would definitely recommend your company.

Mrs D.

Gloucestershire, 12/2023

Floyd has just left.............

Absolutely brilliant: he certainly knows his stuff, explained our options clearly and concisely and was very helpful in looking forward to the time when "it" happens to one of us.

An excellent 'advertisement' for Rathmore - but you will know that already.

Mr & Mrs S.

Surrey, 05/2024

As a true novice in the world of investment, I found the experience to be smooth sailing thanks to my
financial advisor, Mr Paul Scobie. From the outset, Paul was friendly, and professional, ensuring I
understood each step of the process and was diligent with determining the type of investments best
suited to me and my future needs. I have no hesitation in recommending his services and that of
Rathmore Financial.

Mrs J.

Gloucestershire, 12/2023

We are very happy with the many years of our association with Rathmore. Their advice has been invaluable and the
way they work makes us confident that we will be looked after now and in the future

Mr & Mrs H.

London, 12/2023

Contact us today to book your initial consultation