How we help

People planning for retirement

Planning for retirement is all about ensuring you can retire when you want, safe in the knowledge that you have the income you need to achieve your desired lifestyle.

There are many reasons why you might be considering retirement planning. You might have received a letter about your pension; you might have just paid off your mortgage, or perhaps your children are about to finish education. Whether you’re aware it’s time to get organised, or you now have more time and money to dedicate to your retirement, we will help you design the future you want.

As Financial Planners, our focus is you and your aspirations, not your money. We want to know your plans for life after work, what an ideal day in retirement looks like for you and what you would do if you didn’t have limits. Our approach means that we gear your money to your most deeply-felt aspirations.

Whether you’re 45 and just starting to think about retirement, or closer to 60 and concerned that time is running out to get your affairs in order, we can help. We follow a comprehensive lifestyle financial planning process. The steps we follow will give you the clarity and confidence you need to achieve your aspirations.

Here’s how we work:

  • From the very first meeting, our focus is on you. We take the time to really get to know you, understanding the hopes, dreams and concerns you have, both for now and for the future.
  • Once we have a picture of where you are now and where you want to be, we can design a financial roadmap to get you there. This will answer important questions such as…
    • What can we afford to do in the future?
    • How much is enough to give us the life we want?
    • Will we run out of money?
    • Is our current strategy going to deliver the future we want?
    • How do we cope if one of us dies or has a long-term illness?
  • We use analytical tools to answer these questions, and more. We establish what you need to do to make your future plans a reality. For some, the answers might involve saving more, retiring later, spending less or downsizing the home. For others, it might mean retiring earlier, spending more or gifting money to others.
  • We will then present our recommendations and explore the financial plan we have created for you. The plan will include various solutions and strategies to help you achieve your financial and life goals. Once you are happy with the plan, you can relax whilst we complete the implementation stage. We will help you fill out the paperwork and contact all the providers for you.
  • Our work doesn’t just end there. We’ll remain with you every step of the way, there to review your goals and adapt your plan as your circumstances change. Over time, we hope you will consider us as your friend as well as your trusted adviser; we’ll always be sat on your side of the table. All that’s left for you to do is get on with living the life you want to live.