Retirement & Pensions

Planning for your financial freedom

How much do you need? We have worked with a number of clients to help them establish a level of either capital or income that they require in order that they can change their lives for the better. They may have been working long hours or away from home and now the opportunity has arisen to change their lives to spend time with the people they care about the most. We have helped them calculate the amount of income that they require and then work with them to move their investments to vehicles that will provide them with the income in the most tax-efficient manner.

Pension planning

Perhaps life has become a muddle for you?  You may be at the stage where you have accumulated several pension arrangements from a number of different employers and historic pension funds clutter up your filing system. We have worked with a number of clients to review each of these individually and get to a point where they more fully understand the value of the capital that has accrued to date and what it could be worth for them at the point of retirement. We have, also, consolidated arrangements for people so that they know the value of their assets and we enable these to be managed more efficiently and more appropriately.

Alternative investments

We believe that we can add significant value to clients’ investment arrangements through a number of means. Our clearly-defined and risk-managed investment process. However, there are opportunities to utilise investment arrangements which benefit from significant tax advantages. Areas such as VCTs, EISs and social investments all benefit from such reliefs and we have worked with clients, where appropriate, to utilise such strategies for their benefit.

Post retirement options

One of the most important aspects of our work is to translate investment arrangements that people have built up in their working life into a tax-efficient income post-retirement. We have particularly benefited our clients from having a long lead-in period on this so that they can maximise different investment arrangements with different tax wrappers to benefit.

Our review process ensures that we establish the level of income required by our clients and adjust this accordingly over time. This is something that is part of our review process and enables our clients to obtain their income in a significantly more tax-efficient manner than purely taking pension income alone.

 

For more information or to book your consultation, please contact us today.

 

 

The value of investments can go down in value as well as up, so you could get back less than you invest. It is, therefore, recommended that you seek full, personal advice in respect of your needs where all appropriate risks will be explained.