Retirement planning can be considered in two stages:

The first stage of retirement planning being the build up of sufficient assets in various forms before retirement. This is all about forward planning pre retirement – the investment stage.

The second stage of retirement planning is assessing the most suitable options, at retirement. These assets should be arranged to provide suitable capital and income security during retirement – the disinvestment stage.

However, both are linked and as retirement approaches it is imperative to review the pre–retirement investments in conjunction with the retirement income objectives. This may influence investment decisions, especially in the final few years. We will work with you to reduce the risks of the portfolio as you approach retirement.

Our retirement planning experts can help with:

  • Pre retirement– Providing suitable tax efficient saving strategies to assist clients build up sufficient assets to provide a comfortable retirement. This should take into consideration affordability and attitude to risk.
  • At retirement/post retirement – Guiding clients through the plethora of options available, and deciding which strategy best suits their personal circumstances. This will take into consideration inflation, taxation, attitude to risk, health and any requirement for dependants benefits.
  • Considering the possibility of receiving an income from the pension fund whilst continuing to work.