In retirement.
Enjoy the peace of mind from your years of hard work and planning
Tax treatment varies according to individual circumstances and is subject to change.
The value of pensions and investments, and the income they produce, can fall as well as rise. You may get back less than you invested.
A plan to support your lifestyle
Retirement gives you the freedom to spend more time doing what you love and being with the people who matter most, without work-related stress niggling away in the background. Depending on when you finish work, retirement could last 30 years or even longer, so you need to ensure you have adequate resources to commit to it.
Beyond making the most of your income in retirement, this may also be a good time to think about how you’d like to pass on your wealth to your loved ones and whether Inheritance Tax could affect what they receive.
By working with a financial planner throughout retirement, you can fully enjoy this stage of life, knowing your finances are in place to support the life you’ve created.
Expert advice
This is how we provide solutions to your problems
Retirement is your time to enjoy life on your terms, and financial peace of mind is key to making that happen.
With the right plan, your money can continue working for you and provide the income you need to fully embrace the lifestyle you’ve worked hard for. We’ll help you focus on today, knowing your future is secure.
Secure your finances
One of the biggest concerns for retirees is, “Will my money last?”. As your financial planner, our role is to give you a clear answer so you can live your retirement without the stress of running out of funds. We’ll go even further, helping you determine whether you have enough to share with loved ones during your lifetime, all while maintaining the lifestyle you’ve worked hard for.
Help with “can I” questions
You’ve had many questions answered on the way to retirement, but now the tone has shifted and you’re wondering what you can achieve. You might be asking, “Can I leave a legacy?” or “Can I afford care?, and also dreaming about more aspirational goals like, “Can I take the holiday of a lifetime?” or “Can I buy the car of my dreams?”.
Maximising your income
Smart tax planning makes your money last longer. If you are paying unnecessary tax through a poorly constructed retirement plan, then you are missing out on a better retirement. We will build a bespoke retirement plan that can provide you with more income.
Frequently asked questions
Can you help my family to prosper?
Sometimes, family members encounter challenges that you’d like to help them with, for example, a property purchase. We can support you through these decisions, help you understand the impact of your support on your financial future and make sure that you provide support tax-efficiently.
How do you manage risk and reward?
We will analyse your risk profile and investment objectives to strike a balance between not taking unnecessary risks and not missing out on returns by ensuring that you hold a diversified portfolio. We will also highlight any risks that you may be taking that you are not aware of.
How can I protect my assets?
You want to ensure that if anything happens to you, as much of your wealth as possible passes to your loved ones so they are taken care of. We take the time to understand your wishes and the needs of your loved ones. We will make sure that your pensions and investments are capable of being passed on to your beneficiaries, rather than dying with you.
How can I benefit from your size and scale?
We are part of the Quilter Financial Planning Network and use their buying power to reduce the costs that you incur from recommended providers to give you great value solutions. Through the network, we also have access to exclusive solutions with benefits you won’t find anywhere else. Quilter Financial Planning’s targeted in-house market research and analysis allow us to reduce costs and give you the best possible value when determining our fees.
What is drawdown?
Drawdown is a way of taking your pension income when you retire. You leave your money invested and can take a regular income or take amounts as and when needed. Therefore, it can give you more flexibility in how you access your pension savings. However, there is the risk that your money could run out if your pension is not managed wisely.
What is an annuity?
An annuity is a guaranteed income. This can either be for the rest of your lifetime or a fixed term. It can be appropriate for someone who has a low tolerance for risk, as you have certainty over your income. Seeking advice is important to make sure you make the right choices.
How do I know if drawdown or an annuity is right for me?
There is no one answer for everyone here. It very much depends on your financial and personal circumstances and your tolerance for risk. Seeking advice is important to make sure you make the right choices.
How can I benefit from your advice?
Paying unnecessary tax means that you must take more money out of your pension fund to pay the tax, or you need to accept a lower income. By being tax-efficient, we can minimise the amount of tax you must pay, leaving more money in your pension funds that can grow over time.
Don’t just take our word for it.
As I approached retirement, I became concerned about my pension plan, so I was introduced to David. My concerns were relieved at our first meeting and there were no questions David couldn’t answer. His recommendations created a successful outcome for me.
Following David’s advice, I’ve been able to retire at 56 years old and have a guaranteed income until I’m 67, which matches my wage. I couldn’t have done this without David. He makes you feel comfortable; there’s no pressure applied and he’s available for advice if needed.
David was very thorough and went through every fine detail regarding my private pension. He gave me lots of guidance and different options. David always went out of his way to help me and is extremely knowledgeable.
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Ready to take your retirement plan to the next level?
We love meeting new people and learning about you. If you are interested in finding out more, please schedule an introductory meeting with us by clicking on the button below. We do not charge for an introductory meeting, and we can both use this meeting to assess whether we are the right fit for one another.
Please note:
The Financial Conduct Authority does not regulate tax planning.
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