Plan a retirement
that works for you
By understanding your goals, we can help you make the important decisions, from how much you should contribute and where to invest, all the way through to taking your retirement income…
With so many options available, the choices can seem overwhelming. Should you increase your contributions or consolidate your pensions? How should you invest your money? Would it be better to buy an annuity when you retire or opt for flexi-access drawdown?
We can help you make sense of these choices and plan a retirement that works for you. We start with your goals and what you would like to achieve. We discuss with you when you would like to retire and what retirement looks like for you. Do you see yourself retiring gradually or fully? How will you spend your time and money?
By understanding your goals, we can help you make the important decisions, from how much you should contribute and where to invest, all the way through to taking your retirement income. We will also consider factors such as cost and tax-efficiency to make sure that as much of your money as possible is working for you.
Mr Burrows (60) and Mrs Burrows (59) had run a successful small business for many years, however due to pressures from larger national companies they had lost a number of their large contracts in quick succession. With their income falling significantly it became a very worrying time for them both, even more difficult was that this business had been their lives for many years, the idea of giving up completely and ‘retiring’ felt alien to them.
With our help they began to unravel the stress and anxiety that had bound them for many months.
The questions turned from; ‘what are we going to do? we are going to run out of money!’ to, ‘what opportunities and freedom does this now give us?’.
When we decided to retire we contacted Smith & Pinching who provided us with very professional, personal and comprehensive guidance which made what could have been a difficult process easy to understand. Since that time we have received regular reviews and updates to ensure our retirement and financial needs are met. Additionally, our advisor is always on hand should we have any questions. For us, trust and confidence are very important and we have this in Smith & Pinching and our advisor.
Malcolm Franklin
Getting ready for retirement – and enjoy it to the full once you retire – requires careful preparation. Our team is here to help you manage the transition with your financial plan, over three main life stages.
Learn and discover tips, grounded in psychology, about how to get into the right mindset for life after work.
