RETIREMENT PLANNING ADVICE FOR WINCHESTER
From our local base we offer face-to-face retirement planning advice for people in Winchester and Hampshire.
We are happy to visit you at your home or office or you can arrange to visit us at our offices next to Southampton International Airport
If you’re not local, we also offer a personalised 1-to-1 service for clients across the UK and the rest of the World via Skype, phone and email.
We are regulated by the Financial Conduct Authority and specialise in UK-based pensions, but offer global investment portfolios.
RETIREMENT PLANNING SPECIALIST IN WINCHESTER
The best retirement planning advice is to start early! Plan early and save early. We offer bespoke, independent and unbiased financial advice that is tailored to you and your family. If you’re in Winchester, you are welcome to visit us at our local offices and but we are also happy to visit you at home or your office for your convenience.
Under the new flexible pension freedom rules, you can now mix and match various options, using different parts of one pension pot or using separate or combined pots. With our Retirement Strategy Planning, we’ll look at your goals, wants and needs and then find the best way to meet these.
Your personalised Retirement Plan will include a plan for how and when you plan to access your pension pot/s and how your money is invested throughout your retirement to make sure you:
- maximise your investment returns,
- don’t pay more tax than you need to
- and you don’t run out of money when you need it the most
N.B. If you’re married, it’s important to include your partner in your retirement plan discussions.
RETIREMENT PLANNING CALCULATOR UK
We offer a range of free retirement planning calculators and tools designed with the UK market in mind. Most calculators that you find will work with US stock market information but we have designed our own bespoke Pension Drawdown calculator that uses UK stock market data from the last 100 years to show you how long your money will last.
If you want to know how much your pension pot might be worth use our UK focused Pension Forecast calculator , which again, uses UK data to give you a clearer picture of how your pension pot might perform in UK maket conditions.
And if you want to know how much you need to retire, our retirement cost calculator uses costs from UK sources to help you plan your retirement. You can also check out our guide on How much do I need to retire? and our article on What’s a good retirement income?
We also have a Life Expectancy Calculator, that uses Office of National Statistics data for UK life expectancy.
PENSION & INVESTMENT APPRAISAL
If you feel like you need a second opinion on your retirement plans, we are happy to provide an expert appraisal to make sure you’re on track to meet your goals. Whilst investing is a long-term strategy, it is important to look at your pensions and investments regularly to check they are on track to meet your goals. We provide quarterly rebalancing for our customers and depending on the service you choose, either 6-monthly or annual in-depth reviews.
As markets change, your investments and pensions may need to be tweaked or moved to keep your money working hardest for you.
Good habits would be to:
- Ensure your investments are diversified
- Check your investments are invested in line with the amount of risk you are comfortable
- Check that your investments are suitable for your circumstances and goals.
- Check you are aware of and comfortable with the charges your pension/investment product is charging you.
It’s important to remember that Investments that offer the possibility of high returns often also come with a high-level of risk attached. Investments vary from High to Medium to Conservative levels of risk and the risk profile that’s right for you will depend on your own appetite for risk.
The risk of investments can change over time, sometimes dramatically. So what is right for you now, may not be right for you in the future.
If you’re not sure where your Risk Appetite/Tolerance lies, speak to a financial adviser.
Our Pension and wealth management specialist can help assess your investments and, if required, suggest tax-efficient ways to invest and suitable products for you.
PENSION SPECIALISTS FOR WINCHESTER
As pension transfer specialists, we hold specialist pension qualifications and undergo in-depth pension training, so you can be sure you’re getting the best pension advice there is. We also hold the Pension Gold Standard for our pension advice. We are authorised to offer advice on a wide range of pension schemes so whatever type of pension you have or are looking for, we can help:
MAXIMISING PENSION RETURNS
Your pension will most likely be one of your biggest assets in retirement, so it’s important to make your money work hard for you. With our Retirement Planning service we can help you plan to maximise your pension by ensuring that
- your pension offers value for money i.e. you’re not paying too much in charges
- You choose investments that perform well in the market
- It’s invested in an effective way and in-line with your risk profile
- you access your money tax-efficiently
- you don’t take too much money, too soon
You can still have access to regular income or lump sum withdrawals, but this way you should see growth in your investment [Capital at Risk].
We offer a FREE, no obgligation initial call to discuss your requirements, why not contact our friendly team today?
ESTATE AND PENSION PLANNING
You’ve worked hard for your money, so it’s important to know what’s going to happen to it when you’re gone.
One of the great tax advantages of a Self-invested personal pension or SIPP is that they allow you to bypass inheritance tax by passing on wealth via your pension to your beneficiaries on your death. Your beneficiaries can normally choose to take the pension fund as a lump sum or leave it invested in a SIPP.
The tax treatment of death benefits paid from your pension depends on two factors:
- Your age when you die.
- Whether or not the pension funds are ‘designated’ to your beneficiary within two years – designating the funds just means transferring them into the beneficiaries’ names.
|Death before age 75||Death after age 75|
NEED HELP WITH YOUR RETIREMENT PLANNING?
Retirement planning doesn’t have to be stressful, in fact, our meetings could be something to look forward to. Let us take on the heavy lifting and leave you with peace of mind and a solid plan in place.
We offer a free 20 minute discovery call with an independent financial adviser and pension specialist so that you can decide if we’re the right fit for you.
Schedule a time that works for you here.
PASSIONATE ABOUT PENSIONS
Pension Transfer Specialists since 2007
Experts in Defined Benefit Pension Transfer
FCA Regulated, Independent Advice
5* Rated Customer Service