Retirement Planning
Redefining Your Future
Helping You Achieve & Maintain Financial Independence
The Financial Conduct Authority does not regulate Cashflow Planning
The value of pensions and any income from them can fall as well as rise. You may not get back the full amount invested.
Retirement can mean different things to different people, to some it implies decline, slowing down and perhaps a general sense of weariness.
You may well have 20/25/30 years ahead, so wouldn’t it be better if these years were filled with excitement, fun, well-being and meaning?
It’s not just about stopping work - that’s the easy part. The fundamental question is ‘what happens next?’
And this may present significant challenges across all aspects of your life - financial, social and emotional.
Financial Challenges
Can I afford to stop working?
How do I make sure my pensions, investments and other assets are sufficient to give me the lifestyle I want?
How do I know I’m making the right choices now and how do I take income effectively in a world of jargon and complexity?
I’m worried about falls in the value of my investments
How can I plan for unexpected events?
What happens if I live longer than my savings?
What happens if I don’t?
How do I cope with inflation to maintain my standard of living?
Social Challenges
Will I miss my colleagues, customers and the banter of work?
Will I feel lonely?
What impact might this have on my mental health?
Will my relationships with my partner, family and friends change?
Emotional Challenges
Who am I now? My life has been based on my career to provide identity and purpose
What am I going to do with my time?
How do I establish new routines which are exciting, fulfilling and purposeful?
I don’t feel old today, but this is clearly the end of a chapter.
How do I cope with ageing and health issues - physical and mental?
What Our Clients Say
“I retired a few years ago and like most people, prior to retirement, I was looking forward to it but also a little apprehensive about how I would fill my time and whether my income from pensions would be enough for me to be able to enjoy however long my retirement lasted! I enjoyed my work but also wanted to be able to enjoy my retirement.
Fortunately, I had been working with Ian, my financial adviser for a number of years leading up to retirement in terms of investing in a personal pension and ensuring that any savings and investments met what I thought we would need once I retired, whilst also maintaining a realistic view of what would be possible.
Ian’s approach was to work with me to determine my aspirations – what exactly did I want to do during my retirement? - and my fears – would my occupational and personal pensions enable me to do what I had planned? And, importantly, did I have some contingency for the unexpected?”
-
“With regular annual reviews Ian worked with me to ensure that I had a realistic picture of whether my income would be sufficient to meet our aspirations but also to help me to build the confidence that we could actually spend some of our hard earned savings and investments on the things we wanted to do!
Those regular reviews have continued during my retirement to ensure that my confidence remains and also to adjust as aspirations or circumstances change. Specifically, Ian has been very understanding, helpful and supportive in identifying how and where to release funds from when we have needed to access our savings and investments to meet events we had not anticipated.
I would not say that I have no concerns about what the future holds but I do feel that when life throws me a financial curved ball, I can sit down with Ian and talk calmly about how to respond to it in the best way.”