It’s never too late to plan your retirement

Start working on your plan now and enjoy the retirement lifestyle that you dream of.

Retirement Planning

It’s not too late to plan and enjoy the retirement you want and deserve. We provide thoughtful and strategic planning that anticipates the unexpected, identifies your goals and accurately illustrates your cash flow requirements now and in the future. The result is a structured financial plan that achieves the retirement you envisage.

Case study Tony & Jude Howlett

A long-term relationship

Tony has been a long-term client. In the earlier years, we helped him save for his retirement. Now, his priorities are about tax efficient withdrawal strategies to help him and Jude navigate their way through their retirement years. Tony also wants to ensure that he can efficiently cascade his wealth down to his family.

Life planning, auditing and goal setting

Part of our work with Tony and Jude was to identify when they wanted to retire and what sort of retirement they envisaged. We consolidated several existing pension plans to enable flexi-access drawdown. We used cash flow modelling to explore different scenarios in retirement such as planning for home improvements, moving home and making sure Jude would be financially secure should Tony predecease her.

A bright looking future

Tony and Jude are now enjoying a secure retirement and meet with us annually to discuss their evolving plans as they make the most of their active lifestyle.

“Tracey ensured that a satisfactory pension fund was established which was tailored to my financial capabilities. On my retirement, Tracey secured flexible pension payment arrangements for me. I would thoroughly recommend Tracey’s expertise and service to anyone needing a clear and reliable firm of independent financial advisers. They provide a personal service with a professional delivery.”

What’s your number?

Everyone has a number. It’s unique and depends on your lifestyle, your life ambitions and your life stage. Our job is to help you to find your number, then create a strategic plan to ensure you achieve it.

Whatever your life stage

That may mean working with you pre-retirement helping you identify when you want to retire, what you finances will look like when you do and what you need to do before then. It may mean helping you through the retirement process as you make that life change. Or it may mean working with you after you’ve retired to ensure your finances continue to meet your goals as well as your needs.

Whatever’s important

We’ll help you identify and plan for things which may be important for you to consider, like paying for your grandchildren’s education, helping your family buy a property or pay off debts, or leaving an inheritance.

As difficult as it is sometimes to imagine what would happen if you or your partner died unexpectedly or needed long term health care, having a plan in place not only brings peace of mind but could make a huge a difference if the worst did happen.

Making it happen

Whatever stage you’re at, our work combines an in depth understanding of who you are with sensible, professional and considered advice about pensions, cash flow, tax and estate planning and investments.

Life is unpredictable and there may be no certainties, but you can take the time to plan and prepare for life’s highs and lows.

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