Financial advice for people who are retired


Financial advice for people who are retired

At last your time is your own ...

... to do all those things you always wanted to do but never quite got round to – travel, learn a new skill (or relearn an old one), help others and indulge yourself.

By securing your finances now you will be able to relax, knowing that you have enough income to enjoy a long retirement. Whatever your situation, we will recommend ways of maintaining your lifestyle through retirement and meeting any unexpected future needs. After all, the last thing you want is to be worried about money as you get older.

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Need help working out how to make the most of your money?
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08000 85 85 90

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Savings & investments

Savings & investments

Income will be your priority, so make sure your investments are generating as much as possible. Will your investments and income keep up with inflation?

Pensions & retirement

Pension options

Happily there is far more flexibility now in how you take your pension, so you can arrange things in a way that suits you. You might be tempted to take a tax-free lump sum on retirement, but what effect will this have on your pension fund and income later in retirement? If you are not in a final salary scheme, you will more than likely secure your income by buying an annuity. Prices vary considerably, so shop around to get the best deal.

You could receive substantially more income if you are considered to be above-average risk. Would you prefer guaranteed or variable income? What about your dependents? Will they continue to receive income should you die? We can explain your options so you make informed choices about your retirement income.

Insurance & protection

Protecting your wealth

Most people would like to pass their remaining wealth on to their family, but unless you take steps to protect your assets, including your home, this is unlikely to happen.

We can explain how you can make provision for nursing home fees, so you don’t have to sell the family home to pay for them*. We can also explain how to pass as much of your wealth as possible on to your family.

*Please read the About us section.

Mortgages & borrowings

Mortgages & borrowings

With your mortgage paid off, your home is likely to be your largest asset. You may be able to use it to generate a lump sum, for instance to buy a holiday home, or to generate additional income*.

However, before doing so you need to make sure you fully understand the consequences.

Equity release: turn the cash locked in your home into a tax-free cash lump sum to enjoy now.

What are your goals?

These are the most common goals our retired customers tell us they would like to achieve. What are yours?

  • Move to a smaller home.
  • Travel the world.
  • Maintain my income throughout my retirement.
  • Pass on my wealth.
  • Buy a holiday home.

Talk to us – we can help you achieve them.