Retirement Planning in Harborough
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.
As chartered financial planners, AMG Wealth helps individuals and families in Harborough with retirement planning. We meet Harborough clients at our office, at their home or by video call, so you can choose whichever suits you.
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. If you are in Harborough, an adviser can go through what that means for you.
Most of the families we help in Harborough are thinking about what they will leave their children. It might be a house, savings, a business, or all three. We talk it through with you and set out your options one step at a time. You can read more about estate planning.
In Harborough our first conversation about retirement planning is unhurried. We start by listening, and you will not meet a hard sell or a predefined process. To speak to an adviser, call 01332 551155 or send us your details.
Want to read more about retirement planning in Harborough? Start with retirement planning, then see estate planning in Harborough or financial advisers in Harborough.
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.