Retirement planning

A lot of retirement planning comes down to reassurance.

You need to know whether you can afford to retire, when you can stop working and that you will be okay when you do. Financial planning puts you at the helm of your finances and shows you what is possible, and what isn’t. By looking at your finances on a time-managed scale, you can feel safe in the knowledge that you have a plan and the funds to live your desired lifestyle without worry.

Managing income & Protecting your future

You may be considering early retirement, or wondering how you can use the last few years in work to boost the income you will receive when you retire. A financial plan will show how you can use your existing income to pave the way for a more comfortable future, whatever life has in store for you.

Once you retire, you will be living off a set income. This will be a combination of the state pension, your savings and any other pension funds you have paid into while working. It is important that you can live the life you deserve using that income.

Financial planning can help you to make the most of life, without spending more than you can afford, or compromising the money you have left for the future.

Savings and investments

Whether you are looking forward to retiring soon, or have already left work, financial advice is vital to ensure that you make the most of the money you have saved in preparation.

Managing your finances pre-and post-retirement allows you to live the lifestyle you dream of, while ensuring that your financial future is comfortable and provides the security that both you and your family deserve.

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 and estate planning.

Estate planning & Inheritance Tax (IHT)

If you are already retired, you may be considering what will happen to your money, property, and belongings when you die. By analysing the options available, we can ensure that your wishes are known and followed to the letter.

Knowing that the money you leave for loved ones will be subject to tax can feel unfair.

Financial planning can help to reduce the amount of tax that will be taken from the estate you pass on. You can also make sure that your wishes are known and implemented correctly when the time comes.

I’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, or complete our online enquiry form by clicking here.

Learn more about our process of cashflow planning


Case study

“When I retired in May 2015, I approached Keith for guidance on pension planning as I had five 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.”

“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.”

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