The most effective means of protecting your lifestyle in retirement is to start planning for it as soon as possible. We work closely with you to help you understand what is required to ensure your retirement lifestyle objectives are achieved. We will model the financial scenarios on your behalf so you can identify how much you need to invest and where it will come from. We will identify the most appropriate pension structure and the investment strategy that provides the best potential to achieve your financial targets commensurate to your personal risk profile.
Retirement planning does not stop when you retire. Many individuals continue to earn income after they “retire” and we need to ensure this income is structured in the most tax efficient manner possible. It is now possible to retire, take a tax lump sum from your pension and still maintain contributions to the pension from earned income.
Many individuals do not need to draw the maximum pension income immediately after they retire. We can advise you of the alternative ways of drawing income from your pension and as this does not require the purchase of a pension annuity policy your pension assets can remain invested and continue to benefit from positive market movements.
We can plan your retirement by carefully modeling your projected income and expenditure so you know exactly where you stand. You will find out how much income your pension and other assets will need to provide to finance your retirement lifestyle. If you do not require your assets to grow to meet your objectives we can ensure your investment asset allocation is adjusted to provide a more secure return by investing in less risky assets such as cash or bonds. Alternatively, if we identify a possible shortfall, we will evaluate the options available to you to put your affairs back on track.
Our aim is to ensure you always remain in control of your financial affairs.
