Pre Retirement

 

Helping you make the most of what you have for you and your loved ones.

To help you decide if we are right for you we offer a free initial 30 minute consultation.

We aim to do the following for retired clients: -

Most new clients come to us with existing financial products they have acquired over the years, often unsure as to what they are really invested in and the financial risks involved with this. Many have found their adviser has either retired or worked for a company that no longer provides advice as is the case with many of the high street banks.

Does this sound like you? If so we can help.

Over your working life you may have acquired employer sponsored pensions or pensions taken out privately by yourself. We help clients track down these pensions, then evaluate these to assess what they will provide you at retirement. This will help you have a clearer idea of what future income you have when you decide to retire and therefore assist you in planning towards this.

We fully appreciate this is a significant time in your life and the decisions made at this point can be really important in terms of your financial future.

We take the trouble to explain to you in a simple, easy to understand way, the options open to you and the risks involved with each option.

Having assessed your circumstances we will also advise which option we feel is best suited to your retirement needs.

At this stage clients come to us usually with a mixture of assets, pensions, ISA’s, bank accounts, homes both main residences and investment properties to name just a few. We help to quantify what these assets mean for you in terms of providing cash flows to meet your expenditure needs in retirement. Cash flow forecasting can help identify by what method you provide your retirement income and also the level of risk you need to take to achieve your retirement goals. All of this helps to give you the peace of mind you need to enjoy your retirement, rather than worrying if your assets will indeed sustain you for your retirement.

Above all else, we listen to your needs and create a personal solution that works for you.

Contact us and take the first step towards building your own financial plan to suit you and your goals.