Is your retirement income robust enough to keep you afloat?
“There is nothing permanent except change.” – Heraclitus.
Your retirement can be exactly how you’d like it to be. Perhaps it’s sailing round the world or indulging in your favourite pastimes (the ones you didn’t have time for when you worked), spending time with family and friends, or pottering in the garden?
Do you have plans for helping your children buy a home, supporting their business, or putting your grandchildren through school or university?
Either way, your hard-earned income and savings need to work for you. That’s where our Independent Financial Advisers (IFAs) come in.
Why use financial advisers when there’s the internet?
Artificial Intelligence (AI) in finance is a useful tool when it enhances rather than replaces human interaction, however AI can never replace the understanding and empathy a client receives when talking to a human.
Our IFAs use tools that explore options and solutions which automated software alone would not have provided. They think ‘outside the box’ (or ‘bot’).
They keep a watchful eye on your investments and develop a strategy for you to have the best chance at growing your finances. They’re available to provide specialist advice when you need it most – like now.
Our Independent Financial Advisers are – independent – which means they’re unbiased and don’t have an affiliation or vested interest in a specific product or plan. They have your best interests as their focus.
Does the day you stop working seem far away?
You might think retirement is a long way off but if you want it to be as you envisaged it will pay off to organise your pensions and financial plans sooner rather than later.
Think about this…
- It’s likely you will need an income which will last about 25 years or longer.
- £20 now won’t buy you the same item as £20 in ten years. 1
- Sitting on cash savings is not always the best way forward.
Our holistic approach to financial planning means we can formulate a financial plan – for you. As an individual. A plan that addresses your goals and aspirations.
Do you find finances confusing?
There has been a deluge of information in the news and online about the causes of economic challenges we currently face. Actual solutions seem harder to find.
Trawling through the internet or getting direction from family and friends can often be confusing. That’s why we recommend you review your financial plan on a regular basis with a qualified IFA.
Financial planning incorporates this and more…
- Pensions and investments
- Integrated Financial Management
- Inheritance Tax Planning
- Wills and Lasting Powers of Attorneys
- Mortgage advice
Need help?
Book an appointment with your adviser to review your financial strategy if you haven’t already done so.
Choose from an ‘in person’ meeting, video call or telephone call at a time that is convenient for you.
What matters to you, matters to us.
- https://www.lloydwhyte.com/financial-services/pensions-retirement-planning/
- https://www.youtube.com/watch?v=YPyOdwcGt1Q
Lloyd & Whyte (Financial Services) Ltd are authorised and regulated by the Financial Conduct Authority. Registered in England No. 02092560. Registered Office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support. It is important to take professional advice before making any decision relating to your personal finances. Information within this article is based on our current understanding of taxation and can be subject to change in future. It does not provide individual tailored investment advice and is for guidance only. We cannot assume legal liability for any errors or omissions it might contain.
