As you get closer to retirement, you may start worrying more about what that means for your finances.

You may be wondering whether your finances will allow for an early retirement, or how the Pension Freedoms will affect your pension and how you can access it after the age of 55.

Retirement planning

It is important to start planning as early as possible. Once you stop working, you could be retired for 20-30 years. Which is a long time, when you need to make a set amount of money last to support your lifestyle.

There are many ways to retire, and everybody approaches later life with a different outlook. You can stop working altogether, reduce your hours, or turn to consulting to supplement your income. Financial planning will allow you to find the route that meets your needs and helps you to reach your lifestyle goals.

Lifestyle adjustments

You may be looking forward to becoming a grandparent or wanting to help out with a family occasion, such as a wedding.

Throughout life, there are significant changes that we cannot predict, no matter how hard we try. So it is important to make sure that your finances can support you, no matter what comes your way.

Pension Freedoms

Recent policy changes have opened new opportunities when managing your retirement fund and pensions. You may have plans to access the money you have put aside for the future for immediate plans, but it is vital to make sure that doing so will not jeopardise your quality of life in retirement.

I am a Pension Transfer specialist; meaning I have extensive expertise in advising people who are altering their pension arrangements.

Please remember:

The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority does not regulate Tax Planning.

Debt management

Debts affect your quality of life and can mean that the money you work hard for is immediately used to pay interest. Putting together a robust financial plan means that you can pay off your debts, while maintaining a satisfactory quality of life. By taking action to remove your debts now, you can make sure that your future is comfortable and that your retirement fund.

Living well today

There are myths surrounding retirement planning. Many people believe that saving for the future means making huge sacrifices in the short-term. This does not have to be the case. By working through your finances and creating a financial plan to suit your goals and circumstances, you can live well today, but still keep one eye on the future.

Iā€™m here to help.

If you have a specific financial problem you need solving, or simply feel you should be doing more to plan for the future, please get in touch.

Call me on 0131 549 9555, email, enquiries@keithroseburgh.co.uk or complete our online enquiry form by clicking here.

Learn more about our process of cashflow planning

Case study

What do our clients have to say?

“Reaching the age of 55, I needed help to sort out my pension; I contacted Keith through Unbiased.co.uk for financial advice.

Keith then came to see me and guided me in detail about my future, finances, savings, etc. I found Keith very informative. I had pensions in multiple pots, and he explained the best options for me.

His knowledge and expertise guided me to make the correct decisions for my future. He dealt with everything with ease. Personally, I could not have done this process without him.

He has helped me reduce my debt, increase my savings and I look forward to working with him to reduce my mortgage.”

When I retired in May 2015, I approached Keith for guidance on pension planning as I had 5 pension policies that required to be merged into one pot. Keith gave good, clear and sensible advice in a professional and friendly manner; this was just what I needed to ensure that I had my future and that of my family safeguarded. Tom Dalkeith
An acquisition of capital through inheritance created a need for professional investment advice and management. After creating a suitable plan to suit my desired aspirations and risk level, over the past 18 years, Keith has constantly monitored the portfolio to my entire satisfaction, achieving the programmeā€™s aims. Such conscientiousness and integrity have enabled me to recommend him to others who have been similarly satisfied. Mary Edinburgh
My wife and I were looking to arrange finance for a project. We wanted to know if it was possible to raise finance in the UK to buy a property in Spain. After hours of searching online, we settled on arranging a meeting with Keith. He was knowledgeable, friendly and helpful. Keith was able to recommend not only product which exceeded our budget expectations, but he was also able to put us in touch with a lawyer who could help to make it all happen. We now have our dream home in the sun thanks to Keith, and we have continued to rely on him ever since. Kenny Telfer BSc (Hons) MRICS
Keith has provided his services to me since I retired some years ago. I have much appreciated his knowledge and interpretation of what can sometimes be bewildering financial matters. In particular, his meticulous preparation and delivery of information in a clear and concise manner has been of great benefit in our deliberations. I would have no hesitation in recommending his services. Jim Pettigrew
Reaching the age of 55, I needed help to sort out my pension; I contacted Keith through Unbiased.co.uk for financial advice. Keith then came to see me and guided me in detail about my future, finances, savings, etc. I found Keith very informative. I had pensions in multiple pots, and he explained the best options for me. His knowledge and expertise guided me to make the correct decisions for my future. He dealt with everything with ease. Personally, I could not have done this process without him. He has helped me reduce my debt, increase my savings and I look forward to working with him to reduce my mortgage. Yvonne Scott
We approached Keith because we discovered that our investments were no longer being handled in the way we expected, we had various pensions too and a couple of frozen ones. Keith came up with a plan that suited us both and gave us a bit of cash to spend. His approach was both friendly and professional and took place at our home at a time that was convenient for us, I wouldnā€™t hesitate to recommend his professional advice and services. Graeme & Laura Ferguson

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