The most important question people want answering is ‘will my money outlive me?’ Our job is to work that out based on your own unique circumstances.
We take time with you to make sure we understand those needs precisely. This means ascertaining what your income needs will be in retirement to cover all your fixed and variable costs without forgetting the important luxuries you have worked hard for.
Once this is established, it’s time to work out where that income will come from. For example, you may have a state pension, a work-related pension, private pensions, maybe property and other investments and savings. You might also have an inheritance coming your way even though people can find it uncomfortable to take that into account.
We do the sums, look at how much income you’ll realistically get, and whether it adequately covers the costs of the retirement you intend to lead. With this full understanding we will present our advice in a clear and straightforward way, ensuring you understand everything you need to know without overcomplicating things or bombarding you with jargon.
Our job is then to adjust your finances so that any shifts in strategy now will make a significant difference by the time you need the benefit. We do so with a long-term view, understanding that out of every ten years, seven or eight will show growth, while two or three will be less fruitful. It’s a prudent strategy that works well and negates the need to change the approach in those lean years.
Contact us today to arrange an initial consultation.