Pension Advice

Retirement planning is one of the most important areas of financial planning, because it will determine when you can retire and the type of lifestyle you can enjoy. It could be the longest most enjoyable holiday of your life or alternatively the most worrying. Therefore it is important to take professional pension advice.

Our aim is to take away all these worries and help you plan for what should be one of the most enjoyable times of your life, whether it is to enjoy your hobbies, travel the world, or just enjoy time and spend money on the ones you love. We will look to understand your needs, provide advice and help supply, implement and manage the solutions you need to achieve your goals.

How we do it

We firstly need to understand your retirement goals, which include:

o When you would like to retire
o How much income you will need in today’s terms
o The things you would like to achieve in your retirement

We then take account of your current provisions including your state pension entitlement, existing pension benefits and other investments such as ISA, Unit Trusts, buy-to let property, deposit savings and investment bonds.

With this information we can then project forward using our cashflow modelling software, which enables us to establish in today’s terms your pension income and any shortfall. The software allows us, to show you visually the position you are in and then allows us to build a strategy plan that will help you reach your goals. The plan we put in place may not just consist of a pension but other types of savings to help create an overall balanced portfolio of investments, that can be used to help provide you with flexible tax efficient income in retirement.

Reviewing the plan is as important, as putting the right one in place because your circumstances will change over time, obstacles will come along and these have to be accounted for, regular reviews allow us therefore to adjust the plan where necessary, to ensure that you achieve your dream of a comfortable and rewarding retirement.

We advise clients in Fetcham, Oxshott, Bookham, Leatherhead, Cobham and surrounding areas.