Our aim in the years before your retirement is to help ensure you make adequate provision for the lifestyle you aspire to, in your later years.
It is widely agreed that often the most important factor in determining the size of your retirement funds, is the length of time you have allowed your investments to grow for.
Indeed, Albert Einstein famously supported this theory, having reportedly declared that 'the most powerful force in the universe is compound interest'.
For this reason, we strongly believe it is never too early to begin planning for your retirement and that time is very much of the essence.
If you have little or no existing pension provision, we can guide you through the choices open to you, to help you begin saving for 'the longest holiday of your life'.
Alternatively, if you have already made some provision for your retirement, we can help you to understand, explore and take advantage of the significant developments in pension funding options available, which have arisen since 6th April 2006, or 'A-Day' as it is commonly known.
In addition, we can review your existing pension arrangements, to analyse whether they are the most suitable for you and are likely to help you achieve your objectives - we are regularly surprised by the number of poor quality plans in existence, often that have been set up many years ago and which are languishing in dead-end funds and suffering extortionate charges, seriously undermining the benefits of pension investing and ultimately, the potential benefits at retirement.
Alternatively, perhaps you are one of the many people who has several different pension pots scattered around and have wondered about the benefits of effecting a pension transfer, to bring them all together, for ease and increased control, as well as potential cost savings.
If so, we are able to undertake a review of each of your arrangements for you, to assess their individual merits and the advantages or otherwise of undertaking a consolidation exercise.
We can help you find the best home for your retirement funds and if appropriate, arrange a pension transfer to secure lower charges, better performance and greater control, giving you the best opportunity of enjoying the retirement you hope for.
For those seeking to take a more proactive role in their retirement planning or who perhaps have a keen interest in more 'exotic' retirement investments, you may be surprised at the investment opportunities available to you, through a Self-Invested Personal Pension (SIPP).
The wide-ranging facilities SIPP's offer have proven very popular with wealthier individuals, small businesses and professionals, who enjoy having access to a wide range of investment funds, but who also relish the chance to purchase their own commercial premises within a corporate SIPP and then rent the property back to themselves, in order that the rent is paid gross into their pension fund, rather than to an external landlord.
We can help you explore the benefits of this type of arrangement for you, your business and ultimately, your retirement.
Our discussions with you will focus on matters such as the level of income you feel you will require in retirement, whether you are saving enough and how well any existing pension funds or retirement-related investments, such as a Buy-to-Let property, have been performing.
We will recommend a strategy which will aim to deliver the results you hope for, whilst taking account of the crucial issues of your tolerance to risk and affordability.