Can you afford to retire before State Pension age?
September 2019Read more
As you make your way up the career ladder, it can be hard to step back and think about where your money’s going. Harder still to work out what it all means. Are you saving enough? Can you afford to retire when you want to? What happens if something goes wrong?
We really don’t recommend that you wait until you’re earning mega-bucks to start planning your future; there’ll always be something to spend your money on right?
So the first thing you need to do is decide what you want to do in the future. Get married? Start a family? Get a house? Retire at 50? All of these things need money so you’re going to need a plan to help you get there. That’s where we come in.
Another year older, another year wiser. But are your finances any better?
Is your money working for you, or is it losing value? Are you on track to achieve the things you want in life, or are you heading for disaster?
These aren’t easy questions, but they are important ones.
That’s where we come in. Our financial heath check helps you to make sense of it all. We’ll provide you with a high-level summary of your finances, looking at:
At the end, we’ll provide you with a one page summary, that either shows:
Keeping on top of your pensions isn’t easy, particularly when there are lots of them.
There is a danger that long-forgotten plans will end up sitting in poorly performing funds, and the paperwork alone can be enough to put you off looking any further.
If you’re planning on accessing your hard-earned pension savings in the next few years, you don’t want old-fashioned and underperforming pension pots slowing you down.
That’s where we come in. First we’ll review your pensions to work out:
Then, if it makes sense to do so, we’ll bring them together. This can help you save time, hassle and money by:
We’ll get you financially organised so that managing your pensions on an ongoing basis is simple and easy.
There are only two outcomes in retirement. Either you outlive your money, or your money outlives you.
Retirement planning is about starting with the end in mind. It’s about working out what you want to achieve and then putting a plan in place to help you do it.
This is likely the biggest financial decision you will ever make in your lifetime. The importance of getting it right cannot be understated.
The new pension freedoms have transformed the pension landscape, creating more opportunities (and risks) than ever before. Pension freedoms has created much more flexibility around retirement, but with it the need to make sure your money lasts a lifetime.
The most important decisions in life tend to be the ones that can’t be rehearsed. They require an understanding of all the options and opportunities, as well as the implications and risks. Having an expert financial adviser at this critical point in your life can prove invaluable.
As expert retirement planners, we work together to answer your biggest questions; things like, ‘do I have enough?’, ‘will I run out of money?’ and ‘what are the trade-offs?’
Then, as independent financial advisers, we search the whole of market and advise you every step of the way to make sure you get the right retirement income for you.
Research shows that 8 out of 10 people beneﬁt from shopping around when it comes to retirement planning1. By working together, you could boost your income by up to 42%2.
1 Financial Conduct Authority. thematic review of Annuities, February 2014.
2 Representative example of 60 year old male living in Doncaster with multiple health conditions.
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