Saving for your retirement
Looking ahead to your retirement can be both daunting and confusing with a myriad of options, a different language all of which, combined with making ends meet today, sometimes means that setting aside the time to plan falls down the priority list.
But it shouldn’t – planning for your future retirement should be something where you can really let your imagination and dreams run free, thinking carefully about what you will do with the freedom from work and business and the available time. When do you want to retire? What will you fill your time with? What long held ambitions and goals do you want to fulfil?
Dropping anchor or hitting the road are all fine, but letting reality creep in means we also need money to enable all these things – and that’s where we can help. One of our professionally qualified advisers, will help you to quantify what financial resources you will require (capital and income), what you already have (or will have) available and identify if there is a shortfall. From this analysis we can help you plan what action is required to make up that shortfall and the risks involved.
And don’t think this is all clever marketing speak when what we really mean is pension planning! Planning your retirement involves using a wide variety of methods for accumulating the means and methods of income generation when your working or business life starts to wind down. Our clients will use pensions alongside cash, property, business assets, ISA’s and any other type of investment which will deliver income and or capital when it is needed. Our role is to pull together what your resources can deliver towards your goals. And finally, we will work with you to review your arrangements on an agreed and regular basis to ensure you get to that point of retirement.
The value of your investment and any income from it, may rise as well as fall, and you may get back less than the value of your investment