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The recent Budget brought about the biggest change to pensions and retirement planning in living memory. The new level of flexibility and choice means that it’s no longer about choosing the right annuity or pension plan. Instead the focus is building up sufficient funds and ensuring that your investment is managed appropriately to provide a sustainable income for your retirement. That’s where our expertise in wealth management comes in.
We’ll help you to put a financial plan in place, to give you the best chance of having the funds you need for your retirement, starting with a few simple questions;
How much is enough?
This very much depends on the lifestyle you want to have in retirement. What most of us don’t realise is that to secure even a modest income equivalent to the minimum wage of just over £12,000, we need a pension pot of at least £220,000. We’ll help you work out what the projected costs of day to day living might be for you in retirement, to help you establish what you need as a minimum.
What’s the best way to build up funds?
This will depend on several factors unique to you, including your personal circumstances, employment status, financial situation, health and attitude to risk.
How do I ‘future proof’ my pension fund?
Making the right choices to secure the income you need in retirement are made even harder by ongoing changes in tax rates, rules and regulations. We’ll help you keep on top of any changes by regularly reviewing your pension provision. These reviews mean that we can make recommendations and adjustments if required, to keep your plans on track and give you the best chance of having enough in the pot when you retire.
Contact us today to arrange a meeting to find out how we can help you plan for your retirement. The first meeting is at our cost, and with no obligation, so you really have nothing to lose.
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.
Our Independent Financial Advisers offer a comprehensive range of financial services, tailored to your particular requirements. Click on the images below to find out more about the services we provide.