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Financial planning

Financial planning after retirement. We will provide a Simple way to take back control.

Are you already retired or about to retire? Do you suspect that your pension arrangements aren’t delivering as they should?

Perhaps your family arrangements have become more complex since you made your plans. Maybe there are concerns about your legacy.

I feel very positive about my financial future now.

Clarity from complexity

Now is the time to take back control by getting clear, expert impartial advice. Whatever the issue, we have the know-how to guide you towards better arrangements. To work in harmony with your goals for yourself and your family.

After listening and asking the right questions, we’ll:

  • Examine how your different assets, liabilities, income and inheritance plans knit together and match your attitude to risk
  • Advise if there’s a more tax-efficient way for you to take your income
  • Check that your pension arrangements and life assurance policies have the most up-to-date death nominations and trust arrangements
  • Assess how your current wills reflect your wishes and tally with your overall inheritance tax position

By taking a holistic view of your total financial situation, we can also help you take maximum advantage of all the different tax allowances.

Contact us today to arrange a telephone or video meeting with our financial planning experts.

We also asked our clients what they most value about our help. They told us:

  • Support and assistance in meeting life goals
  • Providing a safe pair of hands
  • Gaining peace of mind

In our 2021 client survey, the three biggest concerns of those clients who have not yet taken from their pensions were:

  • My family’s financial security should anything happen to me
  • Not having enough money to live my preferred lifestyle in retirement
  • The level of investment returns

For those who had already started to take benefits from their pensions, the top three concerns were:

  • Not having enough money to continue living my preferred lifestyle in retirement
  • My level of investment returns / potential losses
  • The technical aspects of pensions

What to expect

Step 1

Fact-finding

We’ll ask you about your personal and financial circumstances, your income, savings, investments and pensions, and have a conversation about your retirement income needs and your attitude to risk.

Step 2

Identifying your aims

We will ask you about your objectives and your priorities. We’ll establish what goals you have for your retirement, how you feel about passing your wealth on and your feelings on later life planning.

Step 3

Research and analysis

We then will undertake detailed research and analysis of your current arrangements and whether they are likely to yield the results you need to achieve your goals. Where we see evidence they will not, we will discuss the implications and what the alternatives are.

Step 4

Pension Review Report

We will provide you with a written report summarising our analysis and our recommendations. It will detail how best to achieve your objectives in your particular circumstances.

Step 5

Implementation

If you decide that our recommendations are right for you and you decide to make changes to your existing arrangements, we will contact all your providers, implement the changes and take care of all the administration for you.

Step 6

Ongoing support

You may wish to use our optional ongoing administration, advice and review service. This service is designed to ensure your arrangements are able to adapt with you as your life progresses and changes.

Read more about our approach

Specialists with the personal touch

Our team has over 80 years' experience helping customers plan and organise their pensions better. That means less stress and financial worry so you can get on and enjoy life knowing plans have been taken care of.

Read more about us

Simple, straightforward pricing

We communicate our costs in simple language, without the usual jargon
We provide full transparency so there are no hidden surprises
A quality service at a fraction of the price of many traditional advisors
A fixed fee service for both initial consultation and ongoing advice

"I was very happy with Mark's recommendations and pleased with the way he dealt with my situation and as a result have moved my pension to the new provider."

Paul Morris,
Merseyside

"The whole process was made really straightforward and they took the time and care to properly understand my situation. The results have been excellent!"

Jennifer Butler,
Carlisle

"Because I live in a rural area, having a specialist advisor that I am able to talk to from the comfort of my own home makes a massive difference to me."