Financial Planning for Retirement

We are all aware of the need to invest and accumulate a fund sufficient enough to provide for our retirement, however, with other financial commitments this need is often not considered a priority until later in life, at which time it can be too late to accumulate the size of fund needed to provide a comfortable retirement. It is therefore very important that financial planning for retirement is started sooner rather than later.

Pensions rules and regulation remain complex and difficult to understand, despite various attempts at simplification. Many clients have accumulated a number of individual pension plans, both personal and occupational, and as a result there is little or no cohesion of planning or investment strategy.

With our specialist knowledge and qualifications we can help you through this apparent maze, by undertaking:

A review of all your existing pension arrangements
Forecasting your projected benefits in real terms
Identifying the cost of your retirement lifestyle and planning towards that target
Pension transfer advice
Pension and divorce advice
The use of more sophisticated pension plans such as those able to hold commercial property and make loans to a Directors trading company

We make a living by what we get, but we make a life by what we give.

Winston Churchill

Further information about Pensions & Retirement:

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.

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

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable.

I have been a client of Fiducia for over 20 years. My father and brother were clients before me. John Millican visits my wife and I in our home and we find his visits very valuable. He is honest, calm, very knowledgeable, a good listener, and writes comprehensive and accurate contact reports. I feel that I have always benefited from his personalised service and our portfolio is based largely on our own risk assessments, which we are asked to update... The pension advice that I have received has also been consistent and clear, even though the market has been evolving and is complex. Fiducia have improved their benchmarking data consistently over the years.

Richard Farm Owner, Oxfordshire

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