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.

As independent financial advisers, we are able to search the whole of the market and find the savings and investment products that suit your individual needs. We will provide you with various options and help you to understand the pros and cons of each.

At retirement planning

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

The recently introduced pension freedoms have added to the complexities. But decision making at retirement should be straightforward… so long as you have qualifications in maths, taxation and law.

Fortunately, our advisers do. They can guide you with tailored retirement planning advice to help you derive the best you can from the savings you have built up through your working life.

Living in retirement

Once you’ve been retired for a few years the strategy now is about managing your finances – living in retirement, not just surviving; understanding your choices and enjoying what you have worked for, not worrying.

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.

What our clients say...

"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. Surrey

Contact us today to book your initial consultation