“Retirement is not the end of the road. It is the beginning of the open highway.” – Susan Gale



When the time comes for you to stop working you may not want to simply ‘sit under your tree’ but rather start to enjoy the next stage of your life’s journey.

I can help you embark on that journey in many ways such as;

  • reviewing your retirement plans and make an assessment of what benefits are available to you
  • explain how you can take those benefits to best suit the things you would like to do
  • make sure that the benefits are set up in such a way that will protect your loved ones when anything happens to you.

The world of retirement changed this year with the introduction of ‘pension freedom’ and I can help you make sure that freedom works for you, whether that’s by using funds to secure guaranteed income or preserving the flexibility to take money as and when you would like it.

Your retirement funds are not just money you hold in pension plans, they include any cash savings you have, investments you have built and even the value of your house, especially if you decide the time has come to move to something smaller and release some money in the process.

A good starting point is to check your State Pension entitlement (see https://www.gov.uk/state-pension) and then assess how much income you will need when you stop work. We can help you plan how to use the funds you have available to meet your income requirement so that you can enjoy your retirement in the comfort of knowing you are financially secure.

You also may want to start to consider what you would like to happen to your money when you die and as part of your planning I am happy to talk you through the benefits of;

  • making a Will
  • using your annual gift allowances
  • setting money aside in trusts to provide your family with some protection against Inheritance Tax.

All in all I would be happy to help you plan that long holiday so that you can sit in the sun or take the trip of a lifetime.