Post Retirement
When you decide to retire you need to know how you can access you pension benefits in the most tax efficient and advantageous manner possible.
We will help you navigate the challenges of pension complexity. You’ll have a number of decisions to make which require careful consideration. That’s where the help of an experienced, trusted advisor can make all the difference.
- You may be able to pay a last-minute contribution before you retire to enhance your lump sum and benefits.
- Maximising your lump sum
- Choosing between annuity and ARF (Approved Retirement Fund)
- Investing your ARF for long-term sustainable income that maximises your income and protects your funds for your estate.
- We’ll assess your situation, take you through the options and give you direction on what might suit you best.
More importantly, we are here for you in your retirement to help you navigate the challenges of pension complexity and make sure your funds are invested in the most appropriate manner for you. We will take account not only of your assets and income, but also your future expenses, liabilities, and life expectancy.
We look on retirement as involving 4 separate stages:
Pre-retirement
Imagining your new life, planning for it, and funding it.
Early Years Retirement (60 – 75)
maximising your new life without work and making the most of your health and wealth.
Middle Years Retirement (75 – 85)
Perhaps a little more sedate and less active but content and fulfilled
perhaps enjoying grand children and financially secure. It may involve downsizing a house.
Late-Stage Retirement (85 +)
This is the great unknown and perhaps that part of life we choose to ignore.
It may involve care needs which have financial consequences. It may involve estate planning. One way or another you want a trusted advisor that will “have your back” and help you to keep your affairs in order.
The individual investor should act consistently as an investor and not as a speculator
No obligation, let’s talk about your needs Book Appointment