Professional advice and support can be especially valuable when you are faced with a big change in your life.

If you are planning a business sale or retirement, you might need help understanding how much you need to support your planned lifestyle.

  • You may be dealing with the emotional impact of losing someone and need support understanding what to do with your inheritance.
  • You may want a tidy-up or to move away from your current financial adviser for a more comprehensive plan.
  • Or perhaps you simply want to know if you have enough to enjoy a change of lifestyle and if so, what your limits are.

We know that everyone’s financial situation and motivation is different, so our planning is designed just for you.

Planning to retire?

  • What do you want from the next phase of your life?
  • Can you afford to retire now, on an income sufficient to provide your chosen lifestyle?
  • How do the new pension rules affect you?
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Already retired?

  • Do you have enough income to live the life you want?
  • Could you take more income from your pensions, investments or savings to improve your quality of life?
  • How do you leave a financial legacy when you die?
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Receiving a lump sum?

  • How can the lump sum, for example following a divorce or compensation payment, be used to change your life?
  • Should you invest the proceeds or repay debt?
  • Do you need the money to provide a regular income?
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Receiving an inheritance?

  • What should you do with the money you receive?
  • What do you want from life? How could this money help you achieve your aspirations?
  • What steps do you need to take to put your own affairs in order?
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Winning the lottery?

  • How can you use the money to live the life you have always dreamed of?
  • How can you ensure you make the right decisions so you retain as much of your winnings as possible in the long term?
  • Do you need advice about minimising tax and costs?
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Selling a business?

  • How can you reduce the tax you pay and keep more of the sale proceeds for yourself?
  • What do you want to do in the next phase of your life?
  • How can you generate income and make it last for the rest of your life?
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Testimonials

I wanted to retire early and was having difficulty finding a financial adviser who would help me transfer a frozen Defined Benefits pension into a SIPP for a fixed fee rather than a percentage of my pot. Rebecca offered the service for a fixed fee. Rebecca produced financial analysis reports that way exceeded my expectations and explained what I needed to do each step of the way. As previously mentioned this was done for a very reasonable fixed fee and she saved me many thousands of pounds compared to alternatives. Derek, Lanarkshire
Rebecca took a thorough look at our finances, circumstances and objectives as we began retirement. She has a tremendous ability to simplify an apparently complicated situation. Her clear, straightforward advice showed us how to manage our reduced incomes in future, how to get the best from our investments, savings and pensions, and how much to allow ourselves each year for travel and treats. Andrew & Gerry, London
Following the sale of my business shares I needed advice on how best to invest my funds and make the best possible choices in relation to my future needs. Rebecca took a holistic view of my situation and was able to help refine my goals for the future, and my needs in financial terms. Now I have a clear plan against which I can measure progress. Karen, Leicestershire
We left Krupesh's office feeling that we made the right decision in using Balance: Wealth Planning to help us prepare for retirement. A very big thanks to you Krupesh, for the time you spent with us. You explained thing to us in a language we both understand, never feeling rushed into making any immediate decisions, but explaining what possible options may be open to us. Janet, Derbyshire
Rebecca was extremely helpful. She assessed my financial situation and tailored my finances in relation to my needs now and in the future. She explained everything in great detail - it was very easy to understand. Rebecca is extremely knowledgeable about a wide range of services that I was unaware of. Phil, Nottingham
The main reason I wanted to speak to an adviser was to create a long-term plan in terms of savings and pensions to ensure that my partner and I understood the options in terms of when we could realistically consider retiring. Rebecca took the time to get to know us, understand what we imagined longer term and what level of lifestyle we wanted. She used this information to create a plan to balance our current pension savings whilst ensuring our existing lifestyle was not restricted too much. Hailey, Nottingham