Your retirement should be all about living a lifestyle you’ve worked long and hard to enjoy. But it’s not uncommon to find that the transition from work gives rise to feelings of uncertainty and anxiety, particularly where finances are concerned.

The fact there are now so many income options and pension freedoms available can, in fact, mean even greater stress and pressure to get it right. To retire completely or semi-retire? To drawdown your pension or leave it invested? Should you take a cash lump sum or smaller, regular payments? And then there are all those questions about how much you can afford to be spending.

We are here to help you navigate your way through the maze of possibilities and help you identify what you want from your retirement.

We’ll help you establish the value of your pensions, savings and investments and answer all those questions you have about whether what you have is ‘enough’ to achieve a comfortable standard of living in the years ahead. We’ll help you achieve tax efficiency, work out a pension drawdown strategy and feel in control of your future with a well-made financial plan, tailored to your personal goals and requirements.

Clients ask us..

How can I be sure I won’t run out of money in my retirement?

It’s the question we get asked the most frequently. How much is enough and will I have enough? Our four-step financial planning process and state-of-the-art cashflow forecasting tools will help you visualise and plan your retirement, and give you the reassurance you seek.

Should I be downsizing?

Whether or not to downsize is an emotive issue, and therefore not one that can be taken on pure numbers alone. We’ll explore all the options and the implications of each with you, to help you make the decision that’s right for you.

How will I fund later life care if I need it?

Later life care funding is a particularly complex issue. But as with all things, it pays to make plans and put the thought in early. We’ll walk you through what you need to know and help you make sense of your options so you can make an informed choice.

I’ve been widowed. I don’t know where to start with my finances.

If you’ve recently been widowed, tackling financial matters can feel like an overwhelming task. We provide gentle support to help you make sense of your finances now, plan for the years ahead and feel more confident in your ability to manage your money going forward.

Should I be gifting money to my children/grandchildren now or leaving it in a will?

Watching your loved ones reap the benefits of gifts made within your lifetime can bring real joy. But you need to be sure it won’t leave your struggling to maintain your own standard of living. We can crunch the numbers for you and explain the tax benefits of gifting.

Benefits of financial planning in your 60s and 70s

You can gain many important benefits from working with a financial planner in your 60s and 70s. Financial planning will help you:

  • Live your life to the full now, while ensuring you have enough for the future
  • Define your financial goals
  • See where you may need to lower your spending
  • Identify where you could be spending more
  • Ensure you’re not paying more tax than you need to be
  • Protect your family’s future
  • Plan for a tax-efficient wealth transfer at a time and in a way that suits you
  • Achieve your long-term financial and lifestyle goals
  • Gain peace of mind and security

Start your journey

Whatever stage of life you are at, we are here to help you achieve your financial goals and gain financial security.

01

Understanding you

02

Planning

03

Implementation

04

Refine

Get in touch

Drop by and we’ll pop the kettle on. Alternatively, send us a message and one of us will be in touch.