You might still be lacking a little confidence when it comes to your plans for life beyond work.
You might be concerned about running out of money. You might be questioning whether or not you are making the best possible decisions when it comes to structuring your retirement income. You might be concerned about tax, both now and in the future. You’d probably like to know you’re doing the right thing.
If you’re ready to think about retirement as a near-future prospect, we can eradicate any uncertainty surrounding the future. Retirement is an exciting new chapter in your life. With our help, you can feel confident in your financial position and truly make the most of it.
Here’s what we do:
- We’ll show you what is and isn’t possible. If you want to retire early, we’ll show you whether that’s feasible. If you want to ease your way into retirement, we’ll show you how to use pension freedoms to mould existing pensions into an income.
- We use lifetime cashflow planning software to model different scenarios, for example taking more holidays, capital expenditure or the cost of long-term care
- We’ll create a robust financial plan to give you the confidence you need as you enter retirement
- We’ll deal with your pension providers, completing all of the administrative work so that you don’t have to
- We’ll make sure everything is managed in the most tax-efficient way and address long-term tax planning issues such as Inheritance Tax planning
- We work with you on an ongoing basis to make sure your money is being managed as efficiently as possible, keeping you on track to achieve all you want to in the next stage of your life
What do our clients have to say?
I was recommended to Simon when I moved from London to Hampshire around 10 years ago. I wanted top quality financial advice across both my highly intertwined business and personal/family lives, able to be delivered often face to face without too much travel effort. My needs started with tax management advice but quickly spread to how to fund a house purchase and renovation, and then my children’s education. As I reach my mid-50s, the questions have been more to do with pension, London property and my family investment portfolio. Simon has been beside me all that way. Why? Well, professionally, because he knows his subject, is always well prepared, can explain things quickly and clearly, and is sensible and sincere in his advice. When occasionally I have questioned him toughly, he has proved his advice can withstand that. So, I have learned to trust his recommendations, which always save me time, stress and help me to be financially well prepared. On a personal level, it is always nice to see him as he is friendly, tries really hard to help and makes all his clients, however unimportant in terms of fees, feel looked after and valued. Trust him, it’ll be worth it.
James, from St Marybourne
We have used Simon for around 10 years. We started from a point where retirement was a scary thought which we could never afford. Working with Simon we put a plan together and now we feel that financially the future is much clearer. Simon is not one for fancy high risk instant results; he has always made this clear and in the process has steered us away from several ‘get rich quick’ schemes that have tempted us.
Mike, from Whitchurch
We were looking to invest a windfall for the long term in a tax-efficient way so that it could provide additional support to our disabled child in the future. Simon arranged a plan that provides for this and also combined our various pension schemes onto a consolidated platform. This enables accurate cash flow modelling that would not be possible with a variety of scattered funds. Our regular reviews have been invaluable in reducing any financial uncertainty and concern. Simon has arranged life cover offering greater value for money and with premiums paid directly from my company, effectively reducing the cost.
John, from Godalming
I have been working with Simon for a number of years now and have come to really value his financial planning advice. He first helped me to invest the money I made from selling my business and since then he has continued to advise my husband and I on all aspects of our financial and retirement planning. Simon brings a well-informed, balanced perspective to our financial decision-making that is always reassuring.
Rachel, from Richmond-Upon-Thames
We originally contacted Simon shortly after we married, as we had a diverse portfolio which was proving difficult to manage. Simon helped us to clarify our investment aims for growth and income over our working lives and into retirement, providing the information we needed to select the appropriate risk strategy for our investments. Our portfolio is now well structured and easy to manage, together with regular updates on the value. Simon meets with us at least once a year to discuss our portfolio, is always well informed, providing us with appropriate advice and information to make any decisions.
William, from Southampton