Those approaching
or commencing retirement

So you have done all the right things. You’ve saved a decent chunk of cash and contributed as much as you could afford into your pension plans, and you’re now gearing up to (finally) retire.
It’s a great feeling, but we also understand that it can be a surprisingly intimidating prospect.

You will likely be asking yourself questions like:

  • When is the best time to actually stop earning a living?

  • Where will I get my money from to pay my bills after my salary stops?

  • Can I afford to pursue that expensive hobby, the one that’s always been in “the pipeline”?

  • Can my partner and I realistically afford to travel to all those places that we’ve always wanted to visit?

  • Will I be able to support my kids and grandkids in some way whilst I’m still around to see the impact?

  • What sort of legacy will I leave, and how can I minimise my descendants’ inheritance tax liability?

  • What happens if I draw too much income and when will I run out of money?

  • Will I ever be able to buy that holiday home I’ve always dreamed of?

These are very difficult and complicated considerations, which can interrelate in unexpected ways. However, we have a broad base of experience guiding clients through precisely these questions and concerns, so know where to start and what to assess in order to reach highly-personal, realistic and pragmatic answers.

We want our clients to live their best possible lives throughout retirement, and we often have the pleasure of telling people that they can spend more – do more – without fear of running out of money. This could mean that you are able to play Pebble Beach, St Andrews and Sandwich all in the same year. Maybe buy a small apartment in a hilltop Umbrian town. Or perhaps explore the Australian outback for three months in an off-road vehicle. Each most definitely to their own.

So whatever you want to do, we will help you make the most of your assets so that you can sleep easy, safe in the knowledge that the path you follow won’t compromise your lifestyle and goals in the longer-term.

Now much of the above you’ve probably heard before. So what makes us different? Well, let me tell you a secret. Most advisers don’t want you to reduce the value of your assets. After all, if they are paid based on a percentage of your assets, the more you spend, the less they’ll earn.  This is where we’re truly different. We charge fees based on the work we do for you, not the value of the assets under management, and these fees tend to be set and fixed during each annual review. We therefore have no interest in the value of your assets per say, aside from making sure that the value aligns with your best interests.