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Can I afford to retire?
As retirement age approaches, this is the burning question on everyone's mind. By delving into your unique goals, we can tailor a retirement plan that perfectly matches your needs.
Enjoy your retirement your way
The desire to retire and being able to afford to retire are two distinct realities. While you look forward to the freedom and relaxation that retirement promises, the ability to afford it hinges on careful financial planning.
It’s also becoming less common for people to abruptly halt work altogether. Instead, many opt to reduce their hours or transition to less demanding roles. This gradual shift eases the transition into retirement and ensures ongoing financial stability.
We recognise that everyone’s journey to retirement is unique. We take the time to understand your goals, plans, and desired lifestyle before determining when retirement is feasible for you.
Comprehensive financial plan
We will look at the bigger picture and review all your finances, alongside your pensions and investments, to determine if and when you can retire and ensure you have enough income to last your retirement.
Comprehensive financial plan
Provide a cashflow forecast
As part of your financial plan, we’ll use cashflow forecasting to model scenarios and stress-test your investment strategy to create a plan and ensure you remain on track. It can help you see your retirement come to life.
Provide a cashflow forecast
Maintain your lifestyle
For most people entering retirement, maintaining their pre-retirement lifestyle is paramount. Yet, this hinges on having the income to sustain it. Our role is to ensure you have enough before you take the plunge.
Maintain your lifestyle
Listen to your goals
Before we start building your financial plan, we prioritise understanding every detail you provide and learning about your future objectives. By actively listening to your needs, we will help you get to where you need to be and achieve those goals.
Listen to your goals
Manage your investments
We undertake rigorous research and analysis from the whole of the market to identify the most suitable investment solutions to help support your income in retirement.
Manage your investments
Review your pensions
Managing pensions from various providers accumulated over your working life can seem like a daunting task. However, rest assured, we have the expertise needed to streamline and organise everything.
Review your pensions
Improve pension performance
While you oversee your pensions, they’ve never been managed professionally so they might not be performing as well as they should. Let our team step in to manage these for you.
Improve pension performance
A long-term relationship
You want an attentive financial planner who will listen to your objectives. We provide a trustworthy service that makes your life easier and helps you make the most of your finances now and in the future.
A long-term relationship
A pension is a long-term investment not normally accessible until 55 (57 from April 2028). Your capital is at risk. The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.