Most people look forward to retirement but have no realistic idea of whether they can afford to retire. Too many people discover too late that their retirement income is going to fall short of what they had hoped for. Relying on the value of a home as a substitute pension is leaving a lot to chance.
With our pension advice we start the process logically by establishing the answers to the following questions:
We sometimes encounter people who “don’t believe in pensions”. This opinion frequently arises when pension schemes are not understood and neglected for years on end. Not surprisingly, the final result can be very disappointing. As with annual car servicing and dental checkups, monitoring your retirement plans with a qualified professional on a regular basis is essential.
Saving for retirement can take many other forms such as ISAs, individual stocks and shares and buy-to-let properties. But for most people a pension scheme offers by far the most attractive tax advantages.
We guide clients through issues such as:
We guide clients through the minefield of several thousand mortgages on the market and we evaluate them on the basis of least overall cost for the period envisaged.
Companies require specialist financial advice because of their importance to their staff and because of the corporate and tax laws which affect them.