What is the best way to prepare
financially for later life and when
does "later life" begin?


It is the point at which, if you are still working, it’s because you choose to work and not because you have to. This financial freedom will look different to different people and how you use a pension fund to save for this time in your life will be unique to you.

Pension funds cannot usually be accessed until at least the age of 55 and this minimum age may be higher for anyone born from 6 April 1971 onwards. The tax advantages of saving into a pension scheme however, often out-weighing the inconvenience of this restricted access.

For anyone that wants to achieve financial freedom before they reach their late 50s, then there are other tax efficient investment products that can be used.

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Baby Boomers


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. If it is important to you that you leave a legacy, we will help you structure your investments in the right way to ensure that they can be passed on in the most tax efficient way.

Elderly lady sat with granchild on her lap reading a book

Generation X

40'S AND 50'S

Life can be full of surprises and milestones: your children might be moving into higher education or trying to get on the housing ladder and become financially independent; your own career may be well established and your disposable income rising.

This is the time to ensure that your pensions and savings are on track and you should start to think carefully about the lifestyle that you want in retirement. We have helped countless clients who are in this stage of life and we can help you too.

It doesn’t take long to feel overwhelmed by questions like: When can we afford to retire? What happens if I’m forced to finish work earlier than expected? Should we be getting tax rebates on our pension contributions now? How big does our pension need to be to provide us with enough income? How should it be invested? What is the “personal allowance trap” and how do I avoid it?

Of course, the questions aren’t the same for everyone, but we know what is appropriate in each set of circumstances and we will take the time to understand your situation so that we can guide you. Adding this professional expertise to your financial decisions at this stage of life can transform your future and give you the peace of mind that you have a coordinated plan in place.

Man stood outside with a moped

Generation Y


We find that working with clients in their 30s and 40s the most exciting and rewarding. This is the time of life when small adjustments to your pensions and savings can lead to substantial benefits later in life. We want to join you on your journey and be there when you are enjoying the fruits of your labours. With our professional expertise guiding your financial decisions, this time may arrive sooner than you thought possible.

We understand that this is also the time of life when your outgoings will be high and the scope for additional savings, investments and insurance may be low. We will help you find the best value products for your individual situation, prioritise your financial objective and put the different elements of your financial plan together in the right order.

Taking advantage of our premium service will mean that we continue to take an active role in your financial planning as you move in to the higher and additional rate income tax brackets. We will be there to ensure that you understand the tax benefits and impairments of your different investment “wrappers” and that your contributions are made in the most tax efficient way.

We help you articulate and quantify your financial objectives so that we can build a solution that organises all your financial products into a coordinated plan as soon as possible.

Man listening to music on a park bench

Generation Z


If you are in your 20s and you are reading this then you are amongst a small percentage of people that have the foresight to engage with your financial plan, early enough in life, to have the biggest possible impact on your future financial security. This decision will change your life.

This is not a boring subject, but we should warn you, financial advisers tend to be old. In fact, in 2020 our Google search revealed that the average age of a financial adviser in the UK is 58! The benefit of this is the decades of experience that we have in helping clients from every generation. Indeed, some of the clients that we are providing pension drawdown advice to today, started using our services in their early 30s.

In truth, we are an engaging team and we know that by adding our professional expertise to your financial decisions today, we can help to transform your future wealth prospects. Now is the time to acquire certain investment and protection products that will never be as cheap for you again. We will tailor ISAs, mortgages, protection, pensions and investments to meet your individual circumstances. We will help you prioritise and quantify financial objectives, set time scales, and match them to investment strategies.

We know that there isn’t always much money left over at the end of the month, but at your stage of life, the compounding of returns could turn a modest contribution into a significant asset.

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The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen