Your Path to a Comfortable Retirement
How can our Financial Advisers help
Any good advisers will tell you the key to continued sustainable investment success is a diversified portfolio. If you’re thinking you’re currently overweighted in property investment our financial advisers can assist in setting up schemes that are not only tax efficient but also expose you to a range of different asset classes you would otherwise miss out on the benefits of.
As well as general products such as pensions and ISAs we can also assist with more in-depth tax planning, utilizing the Enterprise Investment Scheme (EIS), Business property relief (BPR) and more
Throughout the processes we assess your situation and tell you when we think there might be opportunities that our other services will enable you to take advantage of.
Past performance is not a guide to the future.
Prices can fall as well as rise meaning you may not get back the value of your original investment. Investment returns may fluctuate and are not guaranteed.
Frequently Asked Questions
When should I start planning for retirement?
It's never too early to start planning for retirement. The earlier you begin, the more time your investments have to grow. However, even if you're nearing retirement age, it's still essential to seek advice to optimise your retirement savings and ensure a comfortable retirement lifestyle.
As Independent Financial Advisers, we can assist you at any stage of your retirement planning journey.
How much should I save for retirement?
The amount you need to save for retirement depends on various factors, including your desired retirement lifestyle, current age, expected retirement age, and any existing pension plans.We can assess your unique situation and help you determine a realistic savings goal to achieve your retirement objectives.
What pension options are available to me ?
There are several pension options, including workplace pensions (such as defined contribution or defined benefit schemes), personal pensions, self-invested personal pensions (SIPPs), and state pensions. Each option has its own features, benefits, and tax implications. We can guide you in selecting the most suitable pension scheme(s) based on your individual circumstances.
What happens to my pension if I die before retirement?
If you die before reaching retirement age, the treatment of your pension depends on the type of pension scheme you have and whether you've nominated any beneficiaries. In many cases, if you die before retirement, your pension pot can be passed on to your beneficiaries, such as your spouse, civil partner, or dependents, either as a lump sum or as ongoing income payments. We can provide guidance on pension beneficiary nomination and ensure your pension arrangements align with your wishes.
Testimonials
"Outstanding service, attention to detail , good advice , I would have no hesitation in highly recommending this company."
Maria K
Financial Analyst
"James and their team have been outstanding in everything they do for us as a business. I have and would recommend there services without hesitation, knowing that they would look after anyone the same as they have for us"
Mark
Investment Planner
"Excellent Julie is very professional, helpful and knowledgable would highly recommend."
Lauren
Professional