As with the Investment Proposition, our advice in suitably preparing you for your retirement will be unique and bespoke to you. However, the process for each client is generally the same and can be broken down into 5 key stages:

  1. Review Existing Plans - Our first job will be to track down and review each existing pension/investment you have. Considering most people change jobs at least 2-3 times in their career, it is not uncommon for us to track down and review several pensions for each client.
  2. Consolidate - Due to economies of scale and older pensions generally having a higher charging structure, consolidating numerous pensions into one could reduce the annual administration fees by up to 1.5% per annum. However, we are careful to consider each case individually, as there are occasions when it is appropriate to retain existing policies, and personalised advice is essential.
  3. Investment Portfolio -Once we have consolidated the pensions as appropriate, we would then establish a bespoke investment portfolio for you in accordance with our Investment Proposition.
  4. Contribute -Again in line with your overall situation, we would provide you with holistic advice including how much you should be contributing into your pensions/investments for maximum tax-efficiency.
  5. Review - Finally, would be to arrange annual review meetings to discuss the above retirement strategy and amend as is necessary on a year by year basis.


If you would like to discuss planning for your retirement, please contact us.

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