Financial planning for your retirement

Maintaining your standard of living in retirement is a concern for many people. The Government’s message that individuals need to be taking more responsibility for their financial wellbeing must be taken on board with the State no longer providing an adequate retirement pension, the rapid decline in final salary pension schemes and increased longevity.

Your situation is complex

Many people’s pension situation is complex, with a number of different pension schemes being accumulated over their working life. As part of our financial planning process, will take time to unravel the detail and consider whether you have adequately provided for your retirement.

You need sound retirement planning advice

You can do much to ensure that sufficient critical capital is built up. This may include the best use of your annual Individual Savings Account (ISA) allowance or setting up a stakeholder pension. For larger sums, a Self Invested Personal Pension (SIPP) might be appropriate. At Financial Design, we can give you useful SIPP advice, ensuring that any SIPP investments you might make are consistent with your retirement financial planning goals.

You need tax efficient solutions

We will always consider the tax implications of our advice. However, any decisions should be made in the context of your overall financial plan, rather than to achieve a short term tax benefit.

A financial planner who understands legislation

The Government's radical Pensions Freedom announcements during 2014, has provided greater flexibility for those people approaching, or over age 55.  Pension freedom now gives people the choice to draw upon pension funds, in part or in full, which could create a fantastic planning opportunity. We specialise in retirement planning and can offer you the very best in retirement planning advice to help you consider the best options available for you.

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Mortgages

Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from qualified advisers.

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Retirement Planning

Knowing roughly what you can expect from your pension contributions in the long run can give you the opportunity to adjust your retirement savings.

Protection

Investments

We understand as a company that your savings and investments need looking after. We offer 20+ years of experience in our team of investment analysis and financial planning. We take into consideration your goals, needs, objectives and risk tolerance to design a portfolio that gives you confidence.

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Details submitted through this form are confidential. We will process any personal information collected in this form in accordance with our Privacy notice. The information therein is used only to contact you to discuss the areas you've expressed an interest in. Please note the contents of this form is sent via email and therefore may not be secure.

Details submitted through this form are confidential. We will process any personal information collected in this form in accordance with our Privacy notice. The information therein is used only to contact you to discuss the areas you've expressed an interest in. Please note the contents of this form is sent via email and therefore may not be secure.

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