Glenda on 07876 757170 or Bernie on 07771 686222 info@jigsaw-fp.co.uk

Retirement Planning

Retirement is one of the biggest life changes you will face, so it’s vital to prepare for it properly. Too many people are doing too little too late. Careful planning early on can make a big difference to the lifestyle you will enjoy when you retire.

We have access to the most up to date technology to ensure your financial future is more secure as a result of working with us. We specialise in retirement planning whether it is accumulating funds, making the transition from work to retirement or making the most from your capital in retirement. We are here to help.

 

Where are you now?

Whether you are many years away from retirement, or whether you’re retiring now, our checklist below will help you take the right steps at the right time to maximise your income and provide peace of mind:

Retirement is one of the biggest life changes you will face, so it’s vital to prepare for it properly. Too many people are doing too little too late. Careful planning early on can make a big difference to the lifestyle you will enjoy when you retire.

We have access to the most up to date technology to ensure your financial future is more secure as a result of working with us. We specialise in retirement planning whether it is accumulating funds, making the transition from work to retirement or making the most from your capital in retirement. We are here to help.

Where are you now?

Whether you are many years away from retirement, or whether you’re retiring now, our checklist below will help you take the right steps at the right time to maximise your income and provide peace of mind:

PRE-RETIREMENT

AT-RETIREMENT

IN-RETIREMENT

PRE-RETIREMENT

Where are you now?

You are likely to be over 50 and/or are some 10-15 years away from your selected retirement date or the age at which you can draw your state pension.

Could this be you? 

You may need help to think through …

  • the age you may want to retire at
  • working out how much income you might need to love a comfortable life or the life you want in retirement
  • understanding the amount of savings required to create the income you want or need
  • building confidence in the steps you need to take to make sure make sure your money will not run out before you die
  • reviewing existing retirement plans and identifying any savings gaps
  • understanding the different options open to you regarding your retirement
  • maximising your savings and taking full advantage of your own tax allowances
  • protecting or de-risking the investments you have built up

Contact us now, we’re here to help

You have around 5 years until your selected retirement date and are much more interested in your retirement options.

Could this be you? 

You may need help to think through …

  • maximising your pension contributions ensuring you don;t exceed your annual or life time allowances
  • modelling different income requirements in retirement so you can take your income in the most tax efficient way as well as building some flexibility in the amount of income you take from your pension pot
  • maximising death benefits for you and your spouse, partner or family
  • utilising all tax allowances available to you
  • increasing your confidence that your money will not run out during retirement
  • factoring in any special spends for holidays or another car etc.

Contact us now, we’re here to help

You are likely to be over 50 and/or are some 10-15 years away from your selected retirement date or the age at which you can draw your state pension.

Could this be you? 

You may need help to think through …

  • the age you may want to retire at
  • working out how much income you might need to love a comfortable life or the life you want in retirement
  • understanding the amount of savings required to create the income you want or need
  • building confidence in the steps you need to take to make sure make sure your money will not run out before you die
  • reviewing existing retirement plans and identifying any savings gaps
  • understanding the different options open to you regarding your retirement
  • maximising your savings and taking full advantage of your own tax allowances
  • protecting or de-risking the investments you have built up

Contact us now, we’re here to help

You have around 5 years until your selected retirement date and are much more interested in your retirement options.

Could this be you? 

You may need help to think through …

  • maximising your pension contributions ensuring you don;t exceed your annual or life time allowances
  • modelling different income requirements in retirement so you can take your income in the most tax efficient way as well as building some flexibility in the amount of income you take from your pension pot
  • maximising death benefits for you and your spouse, partner or family
  • utilising all tax allowances available to you
  • increasing your confidence that your money will not run out during retirement
  • factoring in any special spends for holidays or another car etc.

Contact us now, we’re here to help

AT-RETIREMENT

Where are you now?

You are now in the process of retiring.

You are less likely than in the past to stop working at a set date. You may go part-time and take some income from your pension pot, stop working completely and draw your income from your pension pot or you might leave your pension pot intact and continue longer through choice or need.

Could this be you?

You may need help to think through …

  • whether to take some tax free cash or not
  • the implications of part-time work or keeping working
  • starting to take income from your pension pot tax efficiently
  • building in flexibility around future income levels
  • maximising death benefits and provision for ill-health
  • ensuring your money will not run out
  • minimising the risk to your investments
  • maximising tax efficiency around passing wealth to the next generation
  • making provision for later life

Contact us now, we’re here to help

IN-RETIREMENT

Where are you now?

You are probably fully retired now and receiving your state pension as well as generating income from your pension savings.

Could this be you?

You may need help to think through …

  • keeping the plan fit for purpose, applying any flexibility you need around your income needs
  • incorporating your state pension
  • drawing income from your pension pot tax efficiently
  • ensuring your money doesn’t run out throughout retirement
  • planning for any future expenditure
  • thinking about when to delegate financial control
  • planning funeral expenses
  • making plans to pass on wealth tax efficiently

Contact us now, we’re here to help

You may be slowing down now for a variety of different reasons from health issues to having done all the things you wanted to do. You may be spending more time at home and have less need for income.

Could this be you?

You may need help to think through …

  • reviewing your income and ensuring it still won’t run out
  • drawing your income tax efficiently from your remaining pension pot
  • finalising any estate planning to ensure it is tax efficient
  • making allowance for potential care costs
  • planning for later life by thinking about who you might delegate financial decision-making to on your behalf

Contact us now, we’re here to help

You may have more health issues, are more dependent on others and may have more need for advice if you are feeling less confident about making decisions about your finances.

Could this be you?

You may need help to think through …

  • whether to take some tax free cash or not
  • the implications of part-time work or keeping working
  • starting to take income from your pension pot tax efficiently
  • building in flexibility around future income levels
  • maximising death benefits and provision for ill-health
  • ensuring your money will not run out
  • minimising the risk to your investments
  • maximising tax efficiency around passing wealth to the next generation
  • making provision for later life

Contact us now, we’re here to help

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