Retirement planning 

Whether you’re close to retirement or just starting out, it’s time to start thinking carefully about what you'll need when you stop or cut down on work. We advise on issues including:

• Accumulating wealth in advance of retirement, including transfers of existing pension pots

• Setting up a pension

• What to do at retirement, including pension transfers and taking money out of your pension

Protection 

We help you plan for the bad times as well as the good. Protection is about making sure you’ve taken the right steps in case something goes wrong with your health, with your family or in your business. 

• Protection for you as an individual

• Protection for your family

• Protection for your business

Investments 

There’s more you can do with your savings over the medium and long term than simply put them in a savings account. We can work with you to understand your attitude to risk, how long you can put money away to accumulate and grow, and whether you’re saving as much as you’ll need to achieve your future goals. 

• Investment advice (for growth or to produce income)

• Wealth management

Legacy planning and long term care 

In the later stages of life you’ll need to think about how you would fund long term care, as well as taking steps to ensure you can pass on your wealth to your family in the most efficient way possible. 

• Using what you have to pay for care

• Structuring your estate in the most tax efficient way

• Passing your wealth onto the right people when you die

Financial health check

You may not know what you need financial advice about. You may simply want to ask us if you’re doing all the things you should be doing. That’s fine by us. We will help you get an overview of your financial situation, your future arrangements and your protection, so you can check it’s right for you at this point in your life.