Retired and Pre-retired

If you are approaching retirement with a pension fund of say £250,000 or more, your main worry could be that you do not want to take undue risk with your ‘critical capital’ at a time in life when it cannot be replaced easily.

Download our free Retirement Planning Route Map here

The questions you may need answering probably include:

Should I buy an annuity or remain invested?

Should I use other investments first and defer my pension?

How do I best hold my investments to minimise tax and costs?

How can I quantify the risks I am taking with my investments?

What investments should I hold and how long will my capital last?

Do I need to consider downsizing to fill an income shortfall?

Are my income requirements sustainable?

Could I fund the cost of a nursing home or other long-term care?

Even when your financial security is assured you may be alarmed, like many other people, at the prospect of paying a large amount of Inheritance Tax.

Some of the things you need to consider are:

Have you made a will and is it tax efficient?

How much can you afford to give away?

What control do you require of your capital?

Will liquidity be a problem on death to pay Inheritance Tax?

Have you more money than you know what to do with?

Is downsizing a better option than equity release?

Are charitable legacies important?

You may find our Specific Advice or Wealth Management services useful.

For a free initial chat to discuss your individual requirements, please call us on 020 8891 6375 or contact us for more information.

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