Retirement planning is not just about setting aside some money; it's about creating a roadmap to ensure your financial security and happiness during retirement. Without proper planning, you might find yourself unable to enjoy the activities you've always dreamed of.

Planning to retire in the next 5 - 10 years?

Are you thinking of retiring in the next 5-10 years? Whether you’re hoping for an early retirement or you’re happy to see your working life through to the state pension age, now is a good time to revisit your financial plan.

How much money do you need to retire?

Whether you’re patiently waiting for the quiet life, with time to enjoy your home surrounded by loved ones, or dreaming of adventure, exploring far flung corners of the world, this is when your financial plan really kicks in. No one person has the same retirement goals, so that’s why our plans reflect your individual goals. We take a holistic view on your pensions, investments and savings to ensure you can generate an income in retirement that supports the lifestyle you want to have. How much you need, depends on what you want to get out of your retirement. But once we know this, we can also ‘road test’ your financial plan with our sophisticated Cashflow Modelling technology to see what impact unexpected life events might have on your goals. We can then factor in ways to mitigate any negative impact these unforeseen events may have.

Protecting your retirement plans

For those clients who have a range of protection products provided by their employer, now is also a good time to review what you’ve got in place and identify any gaps, once your employment stops and you begin retirement.

At retirement

Entering retirement can be a daunting prospect for many as the realisation that your regularly earned income will stop. However, with the right financial plan in place, we can ensure your pensions, savings and investments provide you with regular income to support your lifestyle. Now is also the time to start thinking about your wider family, and any desires you have, to leave some or part of your wealth to them. Our independent financial advisers will structure your estate in the most tax efficient way to minimise your inheritance tax liability and maximise the wealth you can pass on to your loved ones.  

Protecting your retirement income

As you continue to enjoy the retired life, your needs tend to change and your health and age also start to impact the protection products available to you. We’ll help find the most suitable products that will continue to protect your retirement income and ensure you can keep enjoying the golden years.