Forget the clichés - post-retirement life is not all grey hairs

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. However, the financial decisions you make now could be more significant than ever - it is never too late to seek professional help.

Time to do what YOU want

Post-retirement planning focuses on what you need to put in place to continue to live the lifestyle you want after you have finished working. It will often involve reorganising your assets to ensure you are still able to achieve the returns you need to support you, your costs and your hobbies. Pensions will generally make up most of your retirement income. Since the pension reforms in 2015, there is much more flexibility in terms of when you can take your pension and what you can do with it.

The value of pensions and the income they produce can fall as well as rise, you may get back less than you invested.

It's never too late

No more suits, sleep until you’re ready to get up, a life full of hobbies, finger painting with grandchildren and daytime surfing on the web in your favourite coffee shop. Ultimately, it doesn’t matter what type of lifestyle you want to lead – everyone wants to make the most of every pound they earn. It is never too late to seek advice for the first time, or to change your financial adviser if you want to find a more efficient way to save, invest and spend. You have worked hard your entire life – now is the time to enjoy it.

Post-retirement advice needs to be holistic

While pensions account for most people’s post-retirement incomes, there is also a wide range of other options that can be explored. Post-retirement planning also encompasses many different areas of financial advice. You might want to think about what happens to your wealth when you pass, and consider the cost of care to prevent it becoming a burden on your family. It is a huge benefit to have one single professional coordinating the services needed to plan for the here and now, for your future and for the legacy you leave behind for the next generation. Retirement is the beginning of a new road – Unividual’s job is to give you all the tools you need to ensure you can enjoy life to the fullest, making the most of what you have worked so hard to build.

 

 

Respect drives trust

At Unividual, we don’t tell our clients what to do. Instead, our advisers give our clients knowledge to empower them to make their own decisions on their finances. This suits maturer clients, who are used to being at the peak of their career and appreciate a respectful relationship. Some of our retired clients with a bit more time on their hands even start to enjoy the educational process a bit more. This is one of the things that makes Unividual truly unique: mutual respect and understanding with the people we work with, coupled with the ability to adapt the different levels of service that each person needs as they enter different stages of their life.

 

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

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