Retirement Planning
Experience the retirement you deserve
Planning for retirement might sound straightforward but in reality, it’s a bit more intricate.
Figuring out how much money you need to ensure a comfortable future once your earning days are done requires planning. There’s a whole array of factors to consider, such as your taxes now and what they may be later in life, pension rules and limits, your comfort with taking risks, economic shifts, and the ever-evolving regulations governing these matters.
Not all pensions offer the same perks
Some older pensions even have hidden benefits you might not even know about. Navigating retirement planning can often feel like a tightrope walk, brimming with questions:
Can you retire, maybe even earlier than expected?
Will you be able to sustain your current lifestyle, or the lifestyle in retirement that you aspire for?
What other sources of income do you have, such as property or ongoing business ventures?
If you aspire to, are you in the position to pass money or assets to family members?
How we can help
In our busy lives, it’s tempting to put off discussing retirement until another day.
However, addressing the tough questions sooner rather than later can make your path to retirement smoother and more enjoyable, and ensures that you don’t spend the last few years of your career feeling daunted at the prospect of such a significant change to your life and finances.
Whether your retirement is right around the corner or it’s already occurred, our Planners can review your situation and recommend how to structure and manage your assets for optimal efficiency and flexibility, ensuring you experience the retirement that you deserve.
Why not get in touch today to secure your dream retirement?
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Tackling the difficult questions sooner will make your journey to retirement smoother and more enjoyable. We’ll help you find the balance you’re looking for.
One Four Nine Wealth
Working with our Planners
Our experienced financial planners will help you gauge where you stand now and, more importantly, what your retirement prospects look like. We’ll guide you toward your retirement goals in the most straightforward way possible.
Useful Guides
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Guide to Self-Invested Personal Pensions
When planning for retirement, utilising a pension is one of the most effective ways to secure your financial future. The generous tax relief offered on pension contributions makes options like SIPPs (Self Invested Personal Pensions) particularly advantageous. Understanding how they work, if appropriate, can help you maximise your retirement investments.
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Guide to Preparing for Retirement
As we navigate life, reaching our 50s and 60s often brings retirement into sharper focus. For many, retirement is envisioned as the most extended holiday of their lives, offering opportunities to travel, engage more deeply with hobbies or spend cherished moments with family and friends. However, realising this idyllic vision requires thoughtful financial planning.
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Guide to Building a Bigger Pension Pot
This guide looks at the opportunities to revitalise and boost your pension savings strategy, setting a solid foundation for future financial stability. Early attention to your private pension at the onset of the fiscal year is not just about cultivating beneficial saving habits; it’s also about ensuring you fully exploit the benefits and allowances available to you.
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Guide to Navigating Retirement
Preparing for your twilight years can often be perceived as a convoluted and daunting task. Questions about the longevity of your savings or the kind of lifestyle you aspire to live post-retirement might hover in your mind. The enormity of the considerations involved can make it difficult to be assured of having the right plans.
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Guide to Trace a Lost Pension
Tracking down a lost pension pot can be daunting, especially if you’ve switched jobs multiple times. According to research, one in six UK adults have attempted to trace or find a pension that has been lost or forgotten, with only one in ten managing to do so successfully. Amidst the current cost of living crisis, these lost pensions could be a lifeline for many facing financial hardships.
