Preparing for Retirement

It is never too soon to think about retirement. Even if you have only just started your first full-time job, the longer you give yourself to plan and invest for retirement, the more likely it is you will accumulate the funds you need to give you the retirement lifestyle you desire.

There are, of course, plenty of other demands made on your finances throughout your working life, and it is easy for the dim and distant future to fall down your list of priorities. Whatever your age, and however long you plan to continue working, we can help you make an investment plan that fits within your present budget and steers you towards financial security in later life.

Investment is the key word. With the old certainties surrounding pensions long gone, and what remains of pensions infrastructure inextricably complex, it makes sense to take a wider view of investment, asset management and wealth accumulation as you plan for retirement.

That is where Fiducia Wealth comes into its own. As well as helping you navigate the choppy seas of workplace and private pensions, our award-winning expertise in financial planning, investment management and growth strategies will help you put your money where it will give you the best possible returns.

We also understand that as careers progress and people move from job to job, it has become very easy to accumulate multiple pension plans over time. These can be both personal and occupational, but what we tend to find is that they have been acquired almost by accident, with little or no strategic thought about getting the most out of them as an investment portfolio.

Again, this is something our qualified specialists are perfectly placed to resolve.

Amongst the services we offer, we will:

• Review any and all existing pensions arrangements, with a view to consolidating them with a cohesive strategy;
• Calculate a forecast of expected returns on current pensions and investments, so you get a clear picture of any discrepancy between this and your financial objectives;
• Put figures on the cost of your proposed retirement lifestyle and use that as a target in all planning;
• Offer matter-of-fact advice on pension transfers and pensions and divorce;
• If you run a business or are on the board of a company, discuss more sophisticated pension plans such as those able to hold commercial property and make loans to a director’s trading company.