PENSIONS - RETIREMENT PLANNING

It’s important to have a pension or a retirement plan in place to provide a secure financial future. I’ve never heard of anyone having too much money in retirement but seen many people living in poverty when they retire.

We are constantly reminded that we have an ageing population people are living longer.  This simply means we have to save more to provide sufficient income for a longer retirement.

The future is unknown, but planning as soon as you can will at least put you in a stronger position and give you choices.

We will conduct a full financial review, we will assess your circumstances and discuss such things as: age, salary, debt, property, investments, retirement location and income requirements.

Other considerations could be:

• Martial Status

• Health Issues

• Inheritance/Family

• Tax Implication

Once we have gathered this information we will meet and discuss them in more detail to find the ideal solution for your needs.

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Thinking of accessing your pension early: It is not suitable for everybody and may substantially reduce your retirement income. We can assist you in reviewing your individual circumstances, explaining the advantages and disadvantages.  Then you can consider what is best for you.