Planning for Retirement
How much is enough?
We specialise in providing retirement planning and investment advice for:
Company Directors / Senior Executives / Partners Professional Practices / Business Owners or if you:
​
-
Have a good lifestyle that you want to preserve in retirement.
-
Are beginning to think about retirement.
-
Have more than £250,000 in pensions and investments.
-
Are seeking professional advice to prepare for a comfortable retirement.
-
Want to delegate the complex tasks and focus your time on what matters most to you.
At retirement, your whole financial life essentially collapses down to one question, which is: will your money outlive you, or will you outlive your money?
​
A non-smoking couple of average retirement age – which is around 62 – has a joint life expectancy of 30 years. In English, that means the second person will pass at 92. I caution you that, like all actuarial numbers, that’s an average.
​
At trendline inflation of 3%, the cost of living will rise nearly two and a half times in those 30 years. That is, it will cost almost £2.50 in the 30th year of retirement to buy what £1 bought in the first year.
​
If you haven’t got a plan to increase your income by about as much as your living costs go up in retirement, then you may in effect have a plan for running out of money.
​
Our mission in life is to help people make the right kind of plan and to make sure our clients never run out of money in retirement.
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​
​