Retirement Planning in Chapel-en-le-Frith
are you ready to enjoy life to the full when you retire?
Financial Planning For Retirement
don't leave your future to fate
Now that we’re living longer, we’re viewing retirement through a different lens. No longer a time to wind down and wait for life to end, it’s the start of an exciting new chapter with countless opportunities to make the most of the years ahead.
As pensions and tax legislation become increasingly complex, planning for retirement has never been more important. The decisions you make now can have a huge impact on your ability to remain financially independent, no matter what the future holds for you.
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Retirement Planning
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Retirement Planning
There’s no getting away from the fact that planning for retirement is a complex process. Taking it in stages, we start by looking at where you are today in terms of your income and commitments before moving on to how you want to enjoy life in the years to come.
There are other important considerations such as long-term care, pension protection and the financial implications of you passing away before you retire. Our job is to do a full audit that covers every scenario, stress testing your financial plans to highlight any areas of concern.
Don’t worry, you won’t be drowning in detailed spreadsheets. But you will know your numbers when it comes to how much you need to save and how long your money may last. You’ll also understand how tax breaks can be used to increase your pension contributions – and how we can manage risk by keeping our assumptions conservative.
The earlier you start planning for retirement, the better. We like to talk to people in their mid-30s, so they have enough time to settle into a regular pattern of saving. For business owners and entrepreneurs, the conversation often starts in their mid-20s. But it’s never too late to review your finances, even if you’re approaching retirement age or you’re considering early retirement, perhaps as a result of voluntary redundancy.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.
For individuals and families in Chapel-en-le-Frith, AMG Wealth offers retirement planning advice from chartered financial planners. You can meet us at our office or at home, or choose a video call, so the first step is easy to take.
Retirement planning is about working out what income you might have, when you could start taking it and where it will come from. That usually means looking at your workplace pensions, any personal pensions, your State Pension and your other savings together. That is the starting point for anyone in Chapel-en-le-Frith asking us about retirement planning.
Mostly, the people we help in Chapel-en-le-Frith are planning an inheritance for their children. They want to know it is set up properly and that their family will not be left guessing. Our estate planning page explains what is involved.
A first conversation about retirement planning in Chapel-en-le-Frith starts with us listening. There is no predefined process, no time pressure and no hard sell. To book, call 01332 551155 or send us your details.
For the wider picture in Chapel-en-le-Frith, see financial advisers in Chapel-en-le-Frith, read about retirement planning, or look at estate planning in Chapel-en-le-Frith. The same advisers look after all three.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.