In your 60s & 70s
However you choose to make the transition – stopping work in one go, or phasing it out over time – coming out of employment can be an uncertain, even anxious time, not least when it comes to wondering how your finances will hold up and how long you can afford to maintain the quality of life you are used to or have been looking forward to.
You are likely to have lots of questions; When should I start to draw down my pension? Should I be consolidating different pots? Should I keep earning in some capacity? What will I be able to afford in retirement? Do I have enough to tick some of those long-held dreams off the bucket list? Or help out younger generations of the family? What will I need to keep in reserve for later life and professional care when I start to slow down? We are here to provide answers and certainty so that you can gain peace of mind and enjoy your retirement on your terms.
“Josh has made me feel much more positive about my future
Benefits of financial planning in your 60s and 70s
Working with us during your 60s and 70s can help you settle into a new phase of life and enjoy your retirement. Financial planning will help you:
Live your life to the full now without compromising your future
Ensure you’re not paying too much tax
Protect your family’s financial security
Plan for a tax-effective transfer of your wealth
Decide whether equity release is right for you
Make financial gifts tax-efficiently
Plan for any later life care needs you may have
Reduce your Inheritance Tax bill
Clients ask us..
Can I ensure I won’t run out of money in retirement?
Working together, we’ll help you visualise the kind of future you want and create a plan to help you achieve it. Integrating cash flow technology with a deep understanding of what’s important to you, we’ll provide the road map to the fulfilling, secure retirement you are aiming for.
Can I afford to help my grand/children financially?
Whether it’s helping your children onto the property ladder or gifting your grandchildren a private education, it can be a wonderful experience to watch those you love benefit from financial gifts. And there are tax benefits too. But you’ll need to be sure your generosity won’t leave you short. We’ll crunch the numbers and help you work out what is possible.
I’ve recently been widowed. Can you help me understand my finances?
Yes. We can help reduce the burden of worry, take some of the weight from your shoulders and give you a clear understanding of what you have, what might change in light of the loss of your partner, and what you can do to regain financial confidence going forward. And of course, we will do it at the pace and at a time that’s right for you.
How we work
Our approach is all about getting to know you, what’s important to you and building the strategies that make it as easy as possible for you to achieve your financial aims and your lifestyle goals.