You have reached the point at which your pension scheme might provide you with a tax free lump sum; your mortgage is entering its final years of repayments or may have disappeared from your monthly expenses entirely; legacies might be passed down from the generation above and you are probably become mindful of the impact that spending decisions will have on the longevity of your financial resources.

More than ever, guidance from a professional financial adviser, like Ken or James, becomes invaluable. We can help you map out the likely financial demands over the next decades. We can ensure that money is available when you will need it and that it is invested appropriately whilst you don’t. Most importantly, we can plan so that you don’t run out.

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Your Pension

Retirement has a habit of sneaking up on us and whether you fight it or embrace it is essential to make sure that your financial resources will see you through.
Whether you are in the last decade of your working career, making final preparations for retirement or already drawing a pension, we can add some professional expertise to your financial decisions.

Part of the challenge is knowing how much income you need and understanding how quickly capital will run out. We have been helping people like you navigate this stage of life for decades; we have experience of many of the challenges that you will be facing and we can talk you through the things that are important to take into consideration.

Our aim is to help you invest what you have in the right way, withdraw what you need at the right rate, and calculate what you have left to spend, guilt free.

Your Savings

Depending on when and how you are planning to access your pension will impact on your savings strategy. ISAs and other savings products are probably more relevant than ever in developing an appropriate financial plan.

Earlier in life, unexpected expenses could have been covered by working harder. You may not have the capacity or the inclination to rely on this method anymore and therefore setting aside surplus income becomes the best solution.

As always, aims and goals are different for everyone and how you build up and access your savings will be determined by your objectives. Whether you intend to support the generations below you, plan to top up your own pension, repay a mortgage or simply establish a rainy-day fund, we will guide you through the labyrinth of structured products, ISAs, trusts and savings accounts.

Inheritance Tax

If it is important to you to leave a legacy, we will help you understand the tax implications of structuring your investments in different ways. We can advise you on how to us a life assurance policy to mitigate any tax liability that you believe may exist.

Whether you want to allocate monies for your family now, or just pass on what is left, we can advise you on how different approaches to savings and investments are taxed. We can help you use trusts to coordinate your legacy plans. Although this can be complicated, it isn’t expensive to do and the benefits can be substantial.

We are not tax advisers. We do not provide information about your own personal tax affairs. We can explain, in general terms, the tax implications of different investment products.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Equity Release

It has become increasingly popular for homeowners aged 55 and over to release some of the tax-free funds from their homes without having to move. The flexibility and safeguards that are built into today’s plans will allow you to consider including this option in your retirement funding strategy (subject to eligibility).

As with all financial products, it is essential that we establish that a lifetime mortgage is the most appropriate approach given your personal circumstances. As you can’t release equity without professional help, we make sure that you receive this expert equity release advice.

You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone. This is a referral service.