Approaching Retirement?

Let’s get you ready for retirement

Want to retire in the next 10 years? It’s time to crank up the plans.

The final countdown to retirement is well and truly on. Exciting, isn’t it?

This is when your new life can really start to feel more palpable. Yet it’s also your last chance to prepare as much as you can before you stop working.

Every little thing you do now could make big difference to your retirement. We’re here to help you make informed decisions – and create a retirement plan that’s right for you.

There’s a lot to think about right now…

Firstly, what do you want from retirement?

Think about the lifestyle you’d like in retirement – and the hobbies you want to achieve. Are you keen to travel, or spend more time with the family? Do you want to fulfil the same standard of living that you have now?

How much retirement income do you really need?

Research shows you’d need*:

• At least £14,400 a year to live a basic lifestyle in retirement. For a couple, it’s £22,400.
• At least £43,000 a year to retire comfortably. For a couple, it’s £59,000.

The state pension is seen as a useful income boost in retirement. But alone, it probably won’t be enough to give you even a basic standard of living. This is where retirement planning could really pay off.

*Pensions and Lifetime Savings Association

Are you making the most of your pension savings?

A pension is one of the best ways to save for retirement. If you haven’t reviewed yours for a while, there’s probably a lot more you could be doing to help grow your money further.

Here to help you find the answers

The world of retirement planning can feel overwhelming. Yet getting it right could have such a positive impact on your future.

Our qualified financial advisers are here to help you step into retirement with confidence.

By having an initial review with our experts, you could:

• Consider what you really want from retirement.
• Work out the income you might need.
• Check how on track your plans are – including some old pensions you have.
• Establish ways to get your pensions working harder.
• Build a plan that works for you from now until you retire.
• Find out when you could retire – which may be earlier than you realise.

You don’t need £100,000

Financial advice is harder to find on the high street these days – with many organisations needing you to have over £100,000 to invest.

The great news is we’re different. You can speak to one of our financial advisers if you have at least £20,000 to invest, or £50,000 already in pensions and savings.