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Retirement planning, even when you feel a bit cautious

I am a professional engineer, having started work in 1970 as an engineer cadet in the merchant navy and rising to the rank of chief engineer. I planned for my eventual retirement throughout my career, contributing to either company schemes, private schemes, or both. I am now planning to retire and currently have a final salary pension and state pension as well as a couple of ‘unitised with profit’ policies.  Although giving returns, these policies never performed to my expectations. In June 2018, I thought it prudent to seek out the advice of a regulated financial adviser and, having eventually chosen Unividual, was contacted by Greg. Over the next six months, my wife and I have had several meetings, emails and phone calls with Greg to discuss my options and requirements and undertake a full financial assessment.

I am generally very cautious when it comes to financial matters, preferring stable options with a low return, which Greg pointed out was limiting my options. Greg’s assessment of my wife was similarly accurate which meant that we had several options, finally settling on a balanced approach which offered stability alongside the prospect of a reasonable return on my investment. I would emphasise that at no point did we feel pressurised in any way to invest. We settled on investing with a company recommended by Greg, in September 2018. We are very happy with our decisions but, of course, it is too early in the process to judge performance. My wife and I were also in the process of selling and purchasing a property, so Greg also provided constructive advice in this respect. During the financial review, Greg also noticed that I could have been overpaying tax and advised that I should seek the assistance of a tax accountant, which is currently ongoing and is looking optimistic. In our association with Greg, we have found him to be extremely courteous, professional and client focused.

Find out more about Greg

Frank, Retiring Engineer, Bristol

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