Wealth Management – Pension and Retirement Planning
Pension and retirement planning is an important element of your wealth management and financial planning strategy. After you’ve spent your life working hard to provide for yourself and your family, you deserve to look forward to a happy retirement where you can relax and enjoy the fruits of your life’s labour. Pension and retirement planning can be a huge worry for those who feel that they may have left investing for their old age too late. By seeking advice from a professional financial advisor, you can help to reduce the worry and start making plans for your retirement.
The fear factor of pensions is a very real issue for people who realise, as they reach middle age, that retirement is fast approaching.
Some of the concerns these people face and the issues they need to address include:
- How much money do you need for retirement? People are living much longer and are surviving well in to their nineties or beyond.
- How do you ensure that there is an ongoing income when a partner dies? This is often a concern for women, as they are more likely to live longer than men.
- How will inflation and currency fluctuations affect a fixed income?
- What about care costs for you or your partner?
On top of these common fears, many people who thought they had made a provision through an employer’s pension scheme realise the scheme is running on empty.
Retirement and Pension Options and Advice
When it comes to pensions and retirement planning, the options are simple – you can either take responsibility for funding your own retirement and treat any state provision and inheritance as a bonus, or sit back and hope for the best.
Our team of professional financial advisors at Guardian Wealth Management would clearly suggest that the former is the better course of action. If you want to feel secure about your retirement future, it’s imperative that you take positive action rather than leaving anything to chance.
Our experts can help you work out your pension and retirement planning options, which include:
- Savings plans
- Pensions such as SIPPS
- QROPS, or Qualifying Recognised Overseas Pensions Schemes
Helping you to plan for a happy retirement is one of our goals and our financial advisors can talk you through your wealth management options in order to help you select the best course of action for your individual circumstances. We are also recognised as one of the industry leaders in QROPS advice – these offshore QROPS are pension schemes that can provide a tax-efficient and more flexible solution for expats who want to look at the alternatives to a UK pension.
Finding The Best Pension and Retirement Solutions
As with any financial planning matter or wealth management strategy, securing expert, independent advice is the best way to ensure that you understand all of your options and can source the best package or solution for you.
We want to help you to enjoy your retirement, so contact our team of professional financial advisors now, to see how we can help you to select the best pension, QROPS or retirement plan for your needs.
Download our free Pension and Retirement Planning Brochure