How we will help you

• Cash flow planning

  With the help of sophisticated cash flow planning technology, we can help you understand how much money you are likely to need for the rest of your life and how much you’ll need to live the retirement lifestyle you desire. We look at all your current savings, investments and pension plans. Once we know the value of your current assets, we can project their future potential value using specialist software.

• Explore whether you have enough already

  We’ll help you understand whether your current arrangements are working for you and if they are sufficient to meet your retirement lifestyle goals. Where there is still work to be done, we’ll suggest changes to your plans or arrangements and give you clarity on your options.

• Increase the money going into your pot

  By having a lifetime cash flow plan done, we can tell you if you are going to be short of income at retirement age and advise you on the most suitable way to make up any shortfall. When it comes to funding your future, we may suggest creating a portfolio of investments. We’ll help you to choose investment options that sit comfortably with your appetite for risk, while giving you the best opportunity to achieve your goals and income requirements.

• Protect and preserve your wealth

  You may not need your pension to generate an income. You may plan to carry on working or have income from other investments such as property. In which case, your priority may be maintaining as much as your wealth as possible so that it can be passed on to your loved ones when you die. We will help you understand your options when it comes to preserving your wealth and transferring it in the most tax-efficient way to those you want to see benefit from it.

Please note, the value of your investments and any income derived from them can go down as well as up, so you may get back less than you invested.
A pension is a long term investment, the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.