First, let's shatter a few illusions.
Retirement these days rarely means 'slowing down' or 'taking it easy'. If you are in your fifties or sixties now, there's a good chance that you are looking forward to stopping work so you can start some new challenges.
Whether it's travelling, writing a book, learning a new skill or starting a building project, retirement now is now much more about your bucket list than your weekly shopping list.
And retirement these days doesn't always mean stopping work. More people than ever are leaving their main career in their 50's or 60's and working part-time instead. Some people stay in the same role and cut down their hours, others move into flexible consultancy or non-executive directorship work, and some focus on unpaid charitable work.
They might be taking income out of their pensions, but don't even think about calling them old aged pensioners.
As you come up to retirement, you will need advice about whether to consolidate the pensions you have, whether to take benefits from a defined benefit (final salary) pension or take the transfer value, and what to do with your tax free lump sum. There are lots of options and it needs careful planning because most decisions can't be undone later.
The key to a successful retirement is to know what you want, and what you can afford. That's where we come in. By understanding your vision for the future, and forecasting your wealth over your lifetime, we can show you what you can (and can't) do financially. We also optimise your wealth with careful planning, minimising taxes and making the most out of every penny.
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