Pre-Retirement Pension Planning

When undertaking retirement planning on behalf of our clients, we as Independent Financial Advisers (IFAs) often advise them to engage in a holistic approach. We consider that various investments and allowances should be utilised in order to provide both a flexible and tax efficient income stream in retirement.

In-Retirement Pension Planning

The point at which you wish to, or are able to, retire is a significant milestone as far as financial planning is concerned and decisions made at this point in ones life with regard to generating income in retirement, particularly from pensions, are critical.

Savings and Investments

There are a multitude of reasons why someone would engage in savings & investment planning. Some examples of specific objectives are your own, or a child’s, future wedding, private school fee or university fee planning, repayment of an interest only mortgage or part of a holistic approach towards retirement planning.

Personal Financial Protection

We consider a sound financial protection portfolio to be fundamental to the success of other planning such as medium to long term savings & investments or retirement planning. It only requires one serious event in ones life to undo years of careful preparation and planning.

Business Financial Protection

As with personal financial protection, we view this to be an essential foundation to any successful corporate planning.

Tax Planning

It goes without saying that a key objective in our role as Independent Financial Advisers (IFAs) to our clients is to minimise tax in whatever planning we undertake.