Retirement & Later Life Planning
Advice on turning your pension into a reliable income, planning for care costs and passing wealth on to your family.
The good news is that we are all living longer, which means many people reaching 66 today might expect to spend around 20 years in retirement. Making the most of those years means getting the right advice, so your pension pots are used wisely and keep providing for your needs as they change.
Working with us helps you see the bigger picture. We take an objective view of your situation and advise on how to use your pension to provide the income you need. A strategy can be set up to preserve your capital, generate income, or balance the two, and to stay flexible as your needs change over the years.
Later life planning also means thinking ahead to care costs and to passing on your wealth, so the whole picture is covered.
Who it’s for
- You are approaching retirement and want a clear plan for your income.
- You want to understand your options for drawing your pension.
- You want to plan ahead for possible care costs.
- You want to pass on your wealth and put the right documents in place.
Practical support with your retirement & later life planning.
We turn your savings into income
We advise on using your pension to provide the income you need, whether you want to preserve your capital, generate income, or balance the two.
We plan for care fees
Medical care in the UK is free at the point of need, but social care is means-tested. We help you plan in advance for how you would fund care if the time came.
We help you pass on wealth
Making or revising your Will, and putting the right structures in place, can help your family receive more of your estate and pay less Inheritance Tax.
We explain Lasting Power of Attorney
A Lasting Power of Attorney lets you choose who would make decisions about your finances or health if you could no longer make them yourself. We explain how it could benefit you.
A pension is a long-term investment and the fund value may fluctuate and can go down. The Financial Conduct Authority does not regulate some forms of later life and estate planning.
Questions, answered plainly.
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Let's start with a conversation.
Your first meeting is free and without obligation. We'll listen, answer your questions, and tell you honestly whether and how we can help.