Today’s retirees are typically blessed with better health than any previous generation and can expect to enjoy a much longer retirement. This is fantastic but brings with it questions and issues such as:

• How can you know how much you can spend without knowing how long you have?
• Inflation tends to be relatively benign over shorter periods but can cause considerable damage over a retirement that could span 30 years or more.
• How can you most effectively pass assets to your children without compromising your own financial security?
• How much income will you need?

Retirement generally brings a change in people’s tolerance to risk, capital that was once a nest-egg for a distant future could now be a primary source of income and may have to last a very long time.

Your income requirement is likely to change through your retirement with typically higher outgoings in your early and later retirement. Early retirement sees many people taking advantage of their newly gained freedom and leisure time whilst later retirement can bring expensive care costs.

We can help you arrange your affairs to provide for your income requirement in the short, medium, and longer term, taking full account of changes in markets, funds, and regulation. Careful use of allowances will help you to extract the maximum value from your capital and to preserve your wealth for future generations.

Retirement should be a time to enjoy the fruits of your labour and our regular review service allows you to relax safe in the knowledge that we will look after your best interests at every step.