If you’re approaching retirement

Learn what you need to do in the years and months before retirement to ensure you can enjoy a comfortable retirement and afford to bring your dreams to life.

People regularly ask us

When can I afford to retire?

We know that for some people retiring as early as possible is the dream. We’ll tell you what is possible both with your current arrangements and with some changes to your strategy.

Will I have enough money to live the retirement lifestyle I want?

To answer that question, we need to know what your dream retirement looks like. That’s why we take your vision as our starting point. From there we work out what you’ll need and how we can best structure your finances to achieve it.

Am I saving enough?

We use cutting-edge cashflow modelling technology to accurately predict how much money you are likely to need and how much you are likely to have if you continue along your current savings trajectory, and where any possible shortfalls may occur.

Should I move/consolidate my pensions?

Understanding your retirement funding options when there are so many available can be tricky. We’ll help you explore your pension choices and what the implications may be on your plans for how and when you retire, along with any potential tax benefits or drawbacks for each.

Should I take a phased approach to retirement so I can continue to earn for longer?

There is no one “right” way to transition into retirement. We can help you understand what is financially – and psychologically – the best approach for you.

How we help

Pension planning
Make sense of the complex rules and freedoms surrounding pensions.

Retirement lifestyle planning
Explore what you want from the years ahead and create a plan to achieve it.

Build and manage a portfolio tailored to your objectives, risk profile and time frame.

Financial protection
Ensure that your financial security is not lost in the event of illness or loss.

Estate planning
Create a strategy to pass on more of your wealth to your loved ones.

Tax planning
Ensure you are making the most of all your available tax allowances.

Money coaching
The aim of financial coaching is to help you develop a better relationship with your money. Through guided, meaningful conversations about your money, you will be able to move forward with greater awareness of the beliefs that are holding you back and have a greater ability to challenge them.

Please note, the value of investments and any income derived from them may fall as well as rise and you may not get back your original investment.