Retirement is changing. Increasing numbers of people choose to ease into retirement, continuing to work part-time, or seeking a second (or third) career. For some, that is a way to enter semi-retirement earlier; for others, it is a way to make their retirement funds last longer, by continuing to earn and save.
Whatever your age now, when you are considering your retirement, it’s important to have a clear idea of the lifestyle you aspire to, and the income that you’ll need to support it.
You are never too young to begin saving for retirement, and the earlier you start, the more benefit you’ll see from even a small monthly pension contribution. It is also never too late. If you are approaching retirement age, a review with one of our advisers will help you to understand your options.
We help clients of all ages to plan, manage, review or restructure their pension funds. Your Talis IFA will help you to work out what you need to fund your retirement, identify what you can reasonably afford to save, and offer regular reviews, guiding you on the path to a more secure financial future.
You may have several different ‘pots’ from workplace pension schemes. It can pay to combine these funds, but consolidation isn’t automatically the right answer. It’s essential to consult an experienced financial adviser who will be able to assess all the implications.
If you’re worried about whether your pension funds will provide the income you need, talk to us. We can’t change the past, but we can review your financial position and make recommendations for boosting your pension savings.
Talis IFAs are known for their creative thinking as well as for their financial expertise. By getting to know you, and understanding your aspirations, assets, family, lifestyle and health, we can recommend ways to make your money work harder.
When and how you draw down your pension funds can make a big difference to your tax liabilities, so we’ll advise the most tax-efficient options, making sure that you get the most benefit from your pension savings.
Needed to find a FA having had a bad experience previously I was very wary .But James was excellent and very understanding. Clarified my financial position and helped me to understand it and helped me make the most of it.
We initially contacted Graham for advice around mortgages and were so pleased with his knowledge and expertise we returned for support with insurances and investments for us and our children. Graham has ensured that we have the best insurance cover for us as a family for all eventualities giving us confidence. He has also advised us on the best way to invest money for our children.
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