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Retirement Planning

How we work with you to plan your retirement is a completely tailored and bespoke process as we know that each individual has their own unique set of circumstances. We aim to help simplify and explain to you jargon free what your existing arrangements offer you and how this matches to your objectives.

With the greater flexibility offered by the new ‘Pensions Freedoms’ this has given clients an extremely wide variety of choices that need to be very carefully considered.

Retirement planning using cash flow planning

Cash flow planning forms an integral part of your retirement planning. Calculating what income is required for your future is often challenging. Working with you we can help make clear how much income you are likely to need to ensure a comfortable and enjoyable retirement.

Once we have clarified your position we can look to make suitable recommendations, which may include saving regularly or lump sum investment into a Self-Invested Personal Pension Plan, employer contributions or consolidating existing arrangements.

We will undertake a review of your existing investment strategy with your current arrangements as part of our comprehensive approach.

Retiring early

Many people dream of retiring early, perhaps you think you can afford to but aren’t sure. Cash flow planning comes into its own here too, enabling you to see visually the opportunities of an early retirement. Often the peace of mind such retirement planning can provide is what clients really value.

At retirement

At retirement we can help to decide how best to access your pension benefits based on your individual circumstances.

We can model almost any scenario you wish to consider. Typically in retirement planning clients may look at what might happen if one or both of them need long term care in the future or if they need to pay grandchildren’s school fees and what would happen if they downsize their property.