Retirement Planning
Whether you are just starting out or reviewing the options for your existing plans. At all stages of life, taking expert and professional advice can make a big impact on your ability to achieve your retirement planning goals.
We can help you set up or review existing retirement planning strategies, for you or your employees, helping you make the most of your retirement opportunities.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
Whether you are embarking on a new career within the corporate space, or are the director and owner of your own business, retirement planning should be a key focus for us all. We recognise that we all have different ideas of what a comfortable retirement looks like and all of us will have different needs and priorities in retirement. This is why we offer a simple yet bespoke solution to cater to the individual needs of you and your family, helping you reach retirement with the confidence that you have a plan in place to secure the retirement you desire.
Whether you are employed or self employed as you approach retirement your focus will shift to how much income you might have available to live on in retirement.
Since the announcement of pension freedom reforms in 2015 the range of options available to access your pensions have changed dramatically. Making the right decisions at this time can have a huge effect on your quality of life throughout retirement and what is clear that there is no once approach that suits all circumstances. With this increased flexibility it is therefore more important than ever to seek out advice, we will explain the options available to you and agree on the most appropriate options for you that will help to protect your retirement savings from being exhausted during your lifetime whilst looking to meet your retirement income goals.
There is one golden rule with retirement planning. Work out how much money you think you are going to need after you retire.
It does not matter when you intend to retire, if you do not start planning for it now, there is a real danger that you could outlive your savings. It will soon no longer be unusual for people to spend nearly as long in retirement as they did in employment.
We work with employed and self-employed individuals along with their businesses or employers to ensure that opportunities are maximised in line with ever changing legislation. We will also provide cashflow forecasting to visually demonstrate the benefits of saving for your future and give you the confidence that your retirement opportunity is maximised.
