People in retirement
It’s time to create the lifestyle you’ve been dreaming of. So how do you ensure your finances add up and won’t be a cause for worry?
Enjoy the retirement lifestyle you want to live
It’s never too late to create a financial plan. Financial planning when you are already in retirement has many benefits: peace of mind about the future, clarity over what to do with your pension pot, a greater ability to enjoy the “now” without the fear that you’re putting your long-term financial security at risk, and comfort knowing that you’re not alone when there are big decisions to be made.
Questions clients ask us
We recently asked our retired clients what their biggest financial concerns were. This is what they told us:
Do I have enough money to live my preferred lifestyle in retirement?
We know it’s a worry. With the help of cashflow planning, we can tell you what you have and what kind of retirement you can afford to enjoy without jeopardising your long-term security.
Will my investments return the growth I need to see?
Whether you’ve always been an investor, or you’re keen to start investing to make your retirement income stretch further, it pays to work with an experienced investment manager.
Will I be able to afford later-life care? How will it affect me financially?
With so much uncertainty about changes to later-life care funding, it’s hard not to worry about this complex issue. We’re here to explain the facts simply and guide you towards a plan to ensure you are prepared.
How can I pass on my wealth tax-efficiently without it affecting my ability to enjoy my own life?
If you’d like to see others benefit from your wealth, either now or when you die, we can make sure your affairs are arranged tax-efficiently and that you’re striking the right balance between financial security for yourself and helping those you love.
How we help
Cashflow forecasting
Cashflow forecasting is a key element of the financial planning process. It will enable you to visualise how your income is likely to rise and fall at different points in your life – and, therefore, plan for long-term security.
Estate planning and Trusts
Your retirement income should ideally outlive you, without leaving too much. This ensures you can maintain your desired standard of living throughout retirement, without leaving loved ones a large Inheritance Tax (IHT) bill. We’ll help you gain peace of mind that your wealth will go to those you want to benefit from it.
The Financial Conduct Authority does not regulate taxation advice.
The value of investments can go down as well as up and you may get back less than the amount invested.
Tax planning
Ensuring you’re paying the right amount – but not too much – tax can be tricky. There are complex rules, exemptions and allowances to understand and changes to tax legislation to stay on top of. We can help you ensure that you are paying the right amount of tax and help identify ways to save tax and ensure that your affairs are run in a tax-efficient manner.
Later-life planning
If you or someone you love is thinking about their later-life care options, you’ll already know that it’s a highly complex area with rules that are subject to frequent changes and misunderstanding. Our expertise in this area means you can concentrate on working out what’s emotionally right for you or your loved one, while we analyse the financial implications of each option.
Cashflow forecasting
Cashflow forecasting is a key element of the financial planning process. It will enable you to visualise how your income is likely to rise and fall at different points in your life – and, therefore, plan for long-term security.
Tax planning
Ensuring you’re paying the right amount – but not too much – tax can be tricky. There are complex rules, exemptions and allowances to understand and changes to tax legislation to stay on top of. We can help you ensure that you are paying the right amount of tax and help identify ways to save tax and ensure that your affairs are run in a tax-efficient manner.
Estate planning and Trusts
Your retirement income should ideally outlive you, without leaving too much. This ensures you can maintain your desired standard of living throughout retirement, without leaving loved ones a large Inheritance Tax (IHT) bill. We’ll help you gain peace of mind that your wealth will go to those you want to benefit from it.
The Financial Conduct Authority does not regulate taxation advice.
The value of investments can go down as well as up and you may get back less than the amount invested.
Later-life planning
If you or someone you love is thinking about their later-life care options, you’ll already know that it’s a highly complex area with rules that are subject to frequent changes and misunderstanding. Our expertise in this area means you can concentrate on working out what’s emotionally right for you or your loved one, while we analyse the financial implications of each option.
For more information on passing on your wealth tax efficiently, visit the Resources section of our website, where you’ll find factsheets and calculators to help you get started.
Your journey
From the initial meeting to successfully reaching your goals. How do we make it happen?
