Retirees

For most people, planning and managing your finances during retirement is generally very different to the years when you were working and earning.

We understand that your everyday needs and financial goals may change, and it takes expert financial planning to make sure your finances remain in great shape for the days, months and years ahead.

Here are some of the most commonly asked questions by our clients, which may in turn relate to your own circumstances:

• What can I do to safeguard against inflation?
• My level of income is no longer reliable or indeed consistent. What can be done to provide a consistent and tax efficient income?
• Knowing who to invest with and when, seems like a lottery. How can you manage the risk of poor investment performance?
• I have several different pensions but don’t know if I should buy an annuity or take income drawdown?
• I have surplus capital that I may need in the event of long term care? What should I do if I want to minimise Inheritance Tax at the same time?
• I want to gift money to the grandchildren each year for their future education but they are too young to have investments in their own name. What should I do?
• I am in poor health and may not survive the next seven years. What alternative is there to gifting?

From maximising income to guarding against inflation and managing potential inheritance tax liabilities, we’ll guide you through all the areas relevant to your situation. With us by your side, you can be sure that your finances are working hard for the retirement you always planned for, although achieving your financial goals will depend on factors such as investment performance, your personal circumstances and the decisions you make along the way.

The most appropriate approach will depend on your personal circumstances. It is important to note that as the value of investments can rise and fall, positive returns are more likely if you invest for the long term, but this is not guaranteed and you could get back less than you invest. Furthermore, tax treatment depends on individual circumstances and may change over time. The value of any tax benefits or reliefs will therefore vary from person to person and cannot be guaranteed.