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.

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

May I record our thanks for your help once again. You quickly grasped what we needed and your proposals for the best course of action to achieve our aims were succinctly expressed. Finance is a bit of a minefield for the layman so we consider ourselves to be fortunate to have you looking after our best interests.

RS, Shepperton, Middlesex

Retired surveyor

What would we have done without you! It has been a difficult four years financially for the family and the situation has been handled with great understanding and patience. You sorted out a long term care package quickly and efficiently for my elderly mother who suddenly needed to go into a care home and then recommended a very suitable financial investment portfolio for her. Thanks so much to you all.
Gay B., Kingston on Thames, Surrey

Retired TV executive

Contact us today to book your initial consultation