Areas of Advice 

Pension and Retirement Planning 
 
Are you facing a future of financial freedom? Or is your retirement set to be bound within limitations - or even hardship? Whether or not you have a pension, it is important to ask yourself if you really know the answer to these questions. 
 
We all want to be able to enjoy retirement on our own terms – not just financially stable, but financially free. However, as busy professionals it is so easy to get all too involved in the here and now to make prudent future plans. Most people do not actually know how their pension contributions are performing. 
As a self-confessed ‘Dusty Pensions’ expert, I help people just like you to push towards the future they desire. 
 
Why ‘Dusty pensions’? Well, simply ‘having a pension in place’ does not necessarily mean that you are maximising its potential. Putting it in the bottom drawer and forgetting about it until your retirement could mean poor performance and high charges. Both of these factors will have a significant bearing on your capital. 
 
Analyse, manage, consolidate, or transferring your pension savings could be a suitable solution. 
So, whether you have a single pension, several pensions in different pots or no pension at all, I can help you to maximise both your finances and lifestyle in your retirement. 
 
 
At Retirement 
 
As you move into retirement making the right decisions about your finances can seem daunting, at what should be an exciting milestone in your life. 
 
The latest pension rules which came into effect in 2015 give you far greater freedom in structuring your retirement income but how do you choose between the various options? 
 
Should you buy an annuity? 
 
Should you draw down from your fund? 
 
Do you want to leave your pension to your children? 
 
We can help you find the right balance to give you both security and the chance to enjoy the benefits of a lifetime’s hard work. 
 
 
Investment Planning 
 
Making your hard-earned money work for you by implementing the right investment strategy to help you secure your future financial well-being. Whether you are looking to invest for income or growth, we can provide the quality advice, comprehensive investment solutions and ongoing service to help you achieve your financial goals. 
 
The Online Financial Adviser can carefully construct, risk-rated portfolios that enable you to spread your investments across a wide range of global asset types and choose fund managers with different investment styles to create a balanced and diversified investment solution. 
 
Have you been making the most of the tax-free benefits of an ISA account? Setting one up for you and your family members is just one of the ways we can help you make the most of your money. 
 
‘The value of an investment, or the income received from an investment, can go down as well as up and you may not get back the amount you invested.’ 
 
 
Protection Planning 
 
It is generally agreed that protection insurance products provide peace of mind and a more secure future. It may not be the most exciting of subjects, but it answers one of our most basic desires – to keep safe all that we hold dear. 
 
Providing protection cover in the various forms of life, critical illness and disability solutions is one of the fundamentals of our business. Working with carefully selected protection providers, we offer an extensive product range including: 
 
Life Cover (including Term Assurance and Whole of Life) 
Critical Illness 
Income Protection 
Private Medical Insurance 
Employee Benefits 
 
 
Inheritance Tax Planning 
 
Would you like HM Revenue & Customs to be the biggest single beneficiary of your estate when you die? 
 
Sadly, without the right advice and careful financial planning, that is what could happen. Inheritance Tax (IHT) has an increasingly broad reach. The impact on a relatively modest estate can be quite dramatic, and on a large estate it could be ruinous. 
 
Transition and obtainment of inheritance could be a nightmare without proper planning and structuring. Having accumulated income and capital through your lifetime many individuals want to ensure that they provide financial security for their families. Sophisticated planning is needed, with decisions to be made on the transfer of assets as well as contingencies for healthcare and burial, guardianship and financial support for children, spouse and family. 
 
These difficult issues are further complicated by constantly changing tax laws. 
Your objectives drive what we do. As with our other services, we approach estate planning from the viewpoint of an individual client’s needs. 
 
 

Get in Touch for your Free Financial Health Check  

Any news and/or views expressed within this website are intended as general information only and should not be viewed as a form of personal recommendation. 
 
Investment in the stock market is not a suitable place for short term money. The value of investments and associated income may go down as well as up and you may not get back the full amount invested. 
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