Retirement Planning

Planning for your retirement can be a complex task and we always encourage clients to start thinking about it early. It is also important to determine how you want to spend your post-retirement years and learn how to prepare sufficient funds for a comfortable and secure financial future.

Managing clients expectations in retirement is what we do best – we help people to determine their retirement income goals and how to achieve them – we will look at your current situation, help ascertain the when’s and how’s of retirement planning, help you understand the pension options available and make a detailed plan of how to achieve the retirement you want. We will find out the level of funding required and the most suitable policies for you.

As part of this process we will often use Cash Flow Modelling – this is where we simulate your current position, expected savings and expenditure and see if your desired retirement can be met or what you could expect in retirement. Updating this regularly with changes to assumptions, circumstances and objectives enables us to make sure our clients get the retirement they are expecting.

Feel free to contact us for further details.

The Financial Conduct Authority does not regulate cash flow modelling.

Risk Warning:

• A pension is a long-term investment not normally accessible until age 55 (57 from April 2028 unless the plan has a protected pension age).
• The value of your investments (and any income from them) can down as well as up which would have an impact on the level of pension benefits available. 
• Your pension income could also be affected by the interest rates at the time you take your benefits.
• The tax implications of pension withdrawals will be based on your individual circumstances, tax legislation and regulation which are subject to change.
• You should seek advice to understand your options at retirement.