Experienced Professionals
and Business Leaders

Your mortgage and day-to-day expenses will likely be somewhat under control, you may have some savings to see you through any periods of uncertainty, and you’ll probably have 15-25 years left of your working life. However, like many of us, you may also be reaching the stage where you’re starting to think: “am I now locked into this role forever?”; “can I retire early?”; “is there any way I’ll be able to buy that holiday home before I retire?”; “will my family be taken care of if I fall ill or lose my job?”; and so on.

Planning for retirement

There are an infinite number of meanings to the word “retirement”. Everyone has their own idea of what they would like retirement to look like. Travelling, gardening, writing, golfing, hiking, Netflix-ing. Each person’s “aim” or “solution” is unique – it’s whatever somebody wants it to be. It’s extremely personal. It therefore follows that there’s no “off-the-shelf”, “one-size-fits-all” solution that works for everyone.

However, we can put a number on your retirement age based on current practices and explain how that number will change if you adapt your approach to financial planning. We can also ensure that your family will be looked after – and your family home protected – should you pass away.

We’ll be there to answer all the questions that will inevitably arise as your circumstances evolve, and to continually review your circumstances to make sure you open up as many options as possible for the later stages of your life.

Pensions

If you’ve worked for multiple companies throughout your career, you’ll likely have funds sitting in a multitude of pension pots. You may not even know where these “pots” are located. We can start by consolidating these and helping you to understand the wealth you’ve accumulated and what this means in terms of future retirement income.

If you tell us that you need a specific amount per month when you retire, then we’ll help you work out what that translates to in terms of current contributions. Actionable advice that you can use to adapt your approach if necessary. And if you’re one of the lucky ones who thinks early retirement might be on the cards, then this type of analysis can really bring that dream into fruition.

Planning for your family

We can also help you to set up powers of attorney and to draft your will, to give you and your family that added peace of mind. Remember, under the “survivorship” rules, the default position is that your estate goes to your family members, so if you’re unmarried but with a partner, you may want to consider making provision for them in case the worst were to happen.