I’ve recently retired and need some guidance

It’s time to reap the rewards. That begins with a well-structured portfolio.

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It’s our assertion that hard-working professionals deserve a happy retirement. Whatever we can do to secure that for you, we will.

From building wealth to making it last

The significance of transitioning from working life to retirement can’t be underestimated, and that’s before you’ve even begun to consider financial matters. After decades of accumulating wealth, your focus shifts towards careful decumulation. Expert help is essential if you want to do this in a way that successfully funds that life for which you’ve worked so hard.

Our team will help you navigate your new reality, providing expert guidance on how to structure your estate to minimise tax, protect your assets, and generate a reliable income. It’s our aim for you to find the process a pleasure, never a chore.

With careful planning, retirement can be the time to enjoy travel, family, and ultimately freedom, all without financial stress. It starts with having the reassurance that your money is doing what you need it to, while keeping every option open.

Setting up sustainable income streams for the long term

Your salary has stopped, but your expenses haven’t. So, we’ll help you create reliable income streams from your pensions, investments, and other assets. That way, you’ll have a predictable monthly income to cover your lifestyle needs, while making sure your portfolio keeps pace with inflation and protects your spending power over time.

Restructuring investments for your new life stage

Your investment strategy during retirement should differ from the one you followed during your working years. Together, we’ll rebalance your portfolio to focus on income generation and capital preservation. At the same time, we’ll ensure some growth potential is maintained, to protect against inflation and fund any unexpected expenses that may arise.

Making the most of your tax allowances annually

Retirement brings new tax planning opportunities that many people overlook. This is about ensuring you’re making full use of any applicable opportunities, from ISAs to dividends, helping you to keep more of your money and reduce your overall tax burden.

Planning for later-life care and potential health needs

Nobody likes to think about declining health, but planning ahead is essential. With us, you’ll explore options like long-term care insurance and receive guidance on structuring your assets to protect them from potential care costs. After all, ultimately it’s your family’s future that matters most.

The value of units can fall as well as rise, and you may not get back all of your original investment.

A pension is a long-term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates, and tax legislation.

The Protection plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Tax planning is not regulated by the Financial Conduct Authority

I’ve recently retired and need some guidance

It’s our assertion that hard-working professionals deserve a happy retirement. Whatever we can do to secure that for you, we will.

From building wealth to making it last

Setting up sustainable income streams for the long term

Restructuring investments for your new life stage

Making the most of your tax allowances annually

Planning for later-life care and potential health needs

Time to talk?

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