Making it
Create your perfect retirement
Managing your money responsibly paves the way for the retirement you want, and in the shorter-term, you’ll combat the impact of inflation on your cash.
Inflation erodes the value of your money, but with a strategic plan, you can increase your wealth and achieve your financial goals for the future.
Asset Review – In order to prepare a roadmap for your financial future, we’ll start by reviewing your current assets.
Cash and Savings
Could you achieve better interest rates, or take advantage of an ISA for tax-free contributions?
Property Assets
Do you know the value of the property or properties you own?
Your Business
If you run a business, how much is it worth and are you extracting profits in the most tax-efficient way?
Your Pension
Do you have one pot or several? How well are your investments performing?
Analysis of your future projections
Then we project your finances forward to see what retirement looks like for you.
Audit
Thorough review of your assets and liabilities to determine your current position
Cashflow Modelling
Statistical analysis of your future projections
Retirement Illustration
You see the age at which you’ll be able to retire, and what your annual income will look like
Increasing your wealth
Your retirement illustration gives you an idea of your future financial position if you continue your current strategy for money management.
You may want to retire earlier than the projection, or invest in a second home, or save for private school for your children. We listen to your objectives for the future, and create an updated strategy for you that will help you achieve your goals.
Investments
Your money can achieve more growth through investments than sitting in the bank.
Investing can be daunting, especially when you’re trying to decipher the technical language and the statistics. We’ll guide you through it so that you get:
- Access to an eclectic portfolio of investments.
- Explanations of the various adventurous, balanced and conservative investment options
- Guidance on ethical investing
- Totally impartial advice. As independent advisors, we are not linked to any particular funds.
Business Protection
Your business is a valuable asset, and one of the key ways in which you can finance your retirement. We’ll help you ensure it’s in the best possible shape:
- Get guidance on how to protect the value of your business
- Minimise your exposure to risk
- Position your business for a potential sale in the future
Pension consolidation
If you’ve had a variety of jobs throughout your career, you may have multiple pension pots. We’ll review which pension pots are performing well and help you consolidate plans so that you can:
- Take advantage of compound interest for exponential growth of your pension pot
- Reduce your admin burden with all your funds in one place
Personalised plan
Once we’ve discussed all the options with you, we create your personalised plan.
Taking into account your personality, your family and your attitude to risk, we’ll suggest the options that best suit your circumstances.
But we don’t leave you there. Your circumstances evolve and your financial plan should adapt with you. That’s why we commit to ongoing reviews with you. We’ll check how well your investments are performing, review your milestones, and make changes to adapt to your life. This is an additional service and there is a charge for this.
Get clarity on your finances
Know where you stand with a thorough review of your current position.
Gain peace of mind for your future plans
See what your future retirement might look like and make any changes you need to feel content that you can enjoy your retirement.
Have confidence that you can provide for your loved ones
Get a personalised plan that takes into account your family responsibilities.
*Tax planning advice is not regulated by the Financial Conduct Authority