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Pre and post retirement planning

Retirement is just another word for getting old, right? Wrong! You have your whole life ahead of you, with things you want to do and places you want to go. Imagine no more suits, a life full of hobbies, finger painting with grandchildren and daytime surfing on the web in your favourite coffee shop. Retirement planning will help you have the financial freedom when you retire, to do everything you enjoy most in life.
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Plan for retirement

Many of us have seen our parents work their entire life and focus on saving for retirement, by putting all their money in to a pension. Then, when getting to a set age,  they “shut up shop”. Forget the clichés; post-retirement life is not just about grey hairs. After the introduction of workplace pensions, you are now likely to contribute to different pension schemes throughout your working life. Additionally, you might also have your own investments , personal pensions or annuities. All of these will be different, with varying rules, charges and opportunities. These options make retirement planning complicated which is why people wonder whether pension advice is really worth it. Our focus is always to make the complicated simple so you can see how worthwhile saving for retirement can be.

The purpose of pension planning and retirement advice is to find out what financial freedom you want, when and how you are going to achieve it.

Finance Podcast: Part One Planning for retirement

In this podcast our Bristol based financial adviser Simon Jones takes a look at retirement planning. Some people assume state pension is enough to fund their retirement. Others think they havne’t saved enough and get in to the trap of worrying about the future without doing anything about the situation. Get tips on how you can save and understand all the different routes for saving for retirement.

Part Two Post-retirement planning

Post-retirement financial planning can be complicated. Our pension advisers will look at reorganising your assets to ensure you are still able to achieve the returns you need to support your expenditure and hobbies. In the second part of this podcast we take a look at pension income and the other income options available to people in retirement. It is important to know that after retirement you shouldn’t stop managing your money. You might need to consider what happens to your wealth when you pass, the cost of care, how we prevent care from becoming a burden on your family and much more. It is a huge benefit to have one single professional coordinating what you need for the here and now, your future and the legacy you leave behind for the next generation.

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Respect drives trust

At Unividual, we don’t tell our clients what to do. Instead, our pension advisers will give you the knowledge to make your own decisions on your personal finances. This suits maturer clients, who are used to being at the peak of their career and appreciate a respectful relationship. Retirement planning is the beginning of a new road; we will give you all the tools you need to enjoy life to the fullest and make the most of what you have worked so hard to build.

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The value of pensions and investments and the income they produce can fall as well as rise

Hassle free pension advice

As pension advisers, we know that giving people advice on pensions can be complicated. It is also difficult getting the information we require, from your pension & investment providers, to advise you effectively. When we work with you on pension planning, we like to take on as much of the administrative work as possible so you don’t have to. After all, one of the biggest reasons why people use a financial adviser is so they can spend their valuable time on other things like running their business or spending time with their children.

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