When would you like to retire? Can you afford to retire at your desired retirement age? What do you want your retirement to look like?
Whether you are at the start of your career, mid-career or approaching retirement we will be able to assist you with your retirement planning.
After you have retired, your financial priorities may change significantly, particularly as you transition from earning an income to relying on your retirement provisions and savings.
Vale’s approach is to focus on the income that you will require in retirement first, before assessing the pension provision that you already have. We take an independent view when assessing your existing plans and will make a recommendation on whether your existing provision is sufficient to meet your needs or whether an alternative approach is required.
These days we find that clients can accumulate a number of different pensions throughout their working life. We can assess these older pensions plans, along with your current pension, to ensure that you will have a sufficient retirement plan in place for your desired retirement age.
Investing into a pension comes with the added tax benefits of income tax relief on pension contributions and your pension funds will sit outside of your estate for inheritance tax purposes.
Vale’s advisers offer a holistic financial planning service which encompasses the entire span of our clients’ retirement and their plans. We will work with you to ensure that your lifestyle in retirement can be funded in a sustainable and sensible way, working to mitigate any foreseeable risks or traps that may cause issues at a later date. Key Planning Areas In Retirement:
As holistic advisers, we can help in many other ways. Clients throughout their retirement may also wish or need to consider:
