Retirement Planning & Investment

Retirement is a major life event that should the inevitable not occur early, everybody experiences. It looks and means different things from person to person but it signals the same for all – the end of your working life. The key thing to remember where your retirement is concerned is this; it’s not just when you retire that’s important, it’s whether you are financially secure to retire too. It helps to know what that looks like and when that is.

Things do not happen. Things are made to happen.

John F. Kennedy

After a long working life, retirement is something you should look forward to, not something you dread. The only way to achieve a financially secure retirement (without winning the lottery or inheriting a large sum of money) is to plan effectively throughout your life for when that moment arrives. Why leave anything to chance?

Planning includes putting in place tax efficient savings plans like pensions and other investment strategies to support you in reaching your financial goals. Mapping out your retirement and understanding your income & expenditure goals/needs and any major life events that may affect your plan in the future.

Your retirement goals may include having more time to spend with family or travelling the world. You may want an expensive sports car or to simply spend more time enjoying your hobbies like golf, watching live football or rugby more. These all cost money one way or another.

The fact is, your retirement, your retirement goals and your retirement needs are truly personal. You should have a personalised retirement plan in place to deliver the peace of mind the future you needs.

Whilst we can all have thoughts and dreams about what retirement looks like for ourselves, knowing how to plan and save to ensure it becomes possible can be difficult.

Most people say they’ll “get round to it at some point”, however, history tells us that that “some point” can easily become “never”. Then, before you know it, it’s too late to do anything about it. A goal to retire at 55 becomes 60, then 67 and before you know it, 70+.

Creating a desirable life to live after your working life ends begins way before you approach retirement. It starts by making prudent decisions today.

Whether you are just starting your working life, or looking forward to imminent retirement, we are able to provide comprehensive Independent Financial Retirement Advice and Retirement Planning to guide you through the complex choices you may have to make. After all, retirement planning is not limited to pension plans, but should include many other tax and investment strategies.

Our team of multi award-winning Chartered Financial Advisers can help you plan effectively for your retirement. They’ll take you through our tried and tested six step process to ensure your retirement plan helps you achieve your later life goals and financial needs.

Areas they’ll discuss with you include:

Cashflow

A lifetime cash flow forecast.

Planning

A plan that takes account of taxation, flexibility and sustainability which may include: Annuity purchase, Capped and flexible drawdown or scheme pensions.

Strategies

The effective use of a combination of planning strategies, not just pensions.

Appropriate Investment

A sustainable and appropriate investment strategy for retirement.

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To understand the benefits of planning your retirement in more detail or to gain more of an understanding on pensions, download our free guides below

(click the images)

Guide to Planning for Retirement

Guide to Pensions

Further information about Pensions & Retirement:

My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this

Susie has guided me in terms of my pension and personal investments in a very professional way. My main concern was to appoint someone who places my needs at the centre of their advice rather than their own financial gain. I am very comfortable that Susie and Fiducia do this which has encouraged me to put further faith and business in her hands.

Mr Ashton

Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to ‘safe’ investments.

I have had my pension with Fiducia for many years. I am not a big investor. Fiducia have treated me so well over the years moving my money around, so that overall I have gained and recently when they knew I was considering cashing in my pension they suggested I move it to 'safe' investments, as the referendum was about to happen and as we have seen this was excellent advice. This is why they are so good. They suggest actions to the client and are in frequent contact. Previously I was with two different companies and was basically left alone and when I was contacted, it could be from any number of people, whereas the same person has always dealt with me at Fiducia. I have watched this company grow, always putting the client needs first and not just those with large pension pots!

Mrs Clibborn Business Owner, London

They are always there to help and provide answers which has helped us over the years.

They are always there to help and provide answers which has helped us over the years especially recently when my wife has also retired from Civil Service.

Mr & Mrs Brown Retired Civil Servant, Essex

As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence. It was a great experience that exceeded my expectations and I would not hesitate to recommend Fiducia to friends and family.

At the end of April I took redundancy and retired from a FTSE 100 company. The sums on money involved in terms of redundancy and pension provision were significant and, with a low level of personal financial expertise, it was critical to me that I understood all my options in detail and achieved the best combined outcome for the long-term. Gordon Kearney and Richard Heath were outstanding in answering my questions on the various options and guiding me through the choices available. I received a very high level of support, with answers being couched in 'everyday' language that I could understand and worked examples being used to demonstrate the potential outcomes. As a result of working with the Fiducia team I was able to understand my options and make my final choices with a very high level of confidence.

Anonymous

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem.

I could not recommend Gordon Kearney enough. He made sense out what I felt was a difficult problem. He arranged my pension transfer which I also took a lump sum out of. Then invested the remainder of it. He also set up 6 trust funds for nephews and nieces. Quality service and will use his expertise again.

Gordon Residential Care Home Owner, Stansted

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund was never going to work.

Gordon acted in a very friendly but professional manner, he made me realise that my previous attitude to my pension fund (which was basically ignoring it and assuming that there would be enough in the pot to retire on) was never going to work and that time and effort was needed to turn things around. We looked at my attitudes to risk, when i would like to retire and ideally what i would need in my retirement and once he understood all of these issues he acted accordingly. The transfer of funds from my previous pension provider went very smoothly and I can now say that I understand more about how my money is being invested. Gordon was very open with regards to charges so there were no nasty shocks at the end of the transfer. I would be more than happy to recommend him to others.

Adrian Accountant, Colchester, Essex

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Pensions & RetirementNews & Case Studies

Fiducia Wealth Management Posted in Financial Planning, Final Salary Pensions (+5 more), on 29.06.22 Read As the workforce transitions between generations, the number of jobs people have across their lifetime changes. A single...

Fiducia Wealth Management Posted in Financial Planning, JISA (+6 more), on 20.06.22 Read Saving and investing for children, can be an important part of a well-rounded financial plan. It is possible to improve your...

Fiducia Posted in Financial Planning, Financial Advice (+5 more), on 27.05.22 Read Whilst we all go about our day-to-day business, there is an elephant in every single room we enter. We cannot always see it,...

Jack Walmsley, Chartered Financial Planner Posted in Financial Planning, Financial Advice (+4 more), on 30.03.22 Read One of the first questions a financial adviser asks a potential new client is ‘What are your financial goals?’. Whilst...

If you are still in work…

We understand that there are plenty of other financial commitments in life vying for your attention, not least setting yourself up with a home and raising a family. The idea of raising sufficient funds to see you through the last couple of decades of life without working can seem daunting, while planning for a distant future might be low on the list of present priorities.

However, our friendly and approachable team are here to make long-term wealth accumulation ready for retirement straightforward and painless. You can never start too soon, and whatever your current commitments, we can always find a way to build an investment strategy around what you can afford. Click here to read more about our approach to pre-retirement financial planning.

If you are about to retire…

It is time to consolidate the assets and wealth you have accumulated over your working life and make a thorough appraisal of your financial means going forward. As well as releasing capital as required and arranging finances to get the maximum from them, at-retirement planning should also include an on-going investment strategy to help fund a sustainable lifestyle in your later years. Click here to read more.