Retirement comes with countless options for you and your family. It represents an opportunity to enjoy life to its fullest but it is often an unknown landscape.
By its very nature, this makes retirement planning an essential part of everyone’s story. The complexities that come with it mean specialist advice is essential.
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Your financial adviser will work with you to set realistic goals and objectives for retirement. Our advice will ensure you maximise the available tax reliefs and adopt a suitable investment strategy.
Once you've saved enough to confidently retire, we'll recommend how you should take an income to replace earnings.
Whatever your motivations, saving enough to retire on your terms is empowering.
Over the years, we have worked with clients whose sole objective was to create enough wealth to retire as soon as possible. We’ve also worked with clients who live to work. Whatever you are planning for the future, our expert advisers can calculate how much you need to make retirement sustainable.
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The sooner you make plans for life after work, the more likely you are to reach those retirement goals. Start now if you want to enjoy your golden years (and even leave a legacy for the next generations).
The value of investments can fall as well as rise. Growth is not guaranteed. The treatment of tax and the value of any tax relief will depend on your personal circumstances. This may be subject to change and impact the benefits to you.
Blackmount Private Wealth can advise you on a range of retirement products including:
PERSONAL PENSIONS
DRAWDOWN ARRANGEMENTS
SELF-INVESTED PERSONAL PENSIONS (SIPP)
SIPP PROPERTY PURCHASES
ANNUITIES
SMALL SELF-ADMINISTERED SCHEMES (SSAS)
OUR PROCESS
On the approach to retirement, your present and future lifestyle need to be considered and quantified. Our expert advisers sit down with you and talk through the various aspects of retirement, so we all understand and agree on what a good retirement looks like for you.
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We’ll then develop a plan to make this happen. Taking a holistic view of your wealth and circumstance allows us to implement an income strategy that provides for your needs as tax-efficiently as possible. This means planning across various factors and objectives that interplay for the best overall outcome (think about changing costs of living over time; the need to be flexible with income and spending habits; potential for later-life care costs; gifting to family; future inheritance tax bills on your estate; the tax structure and treatment of assets; governments tinkering with pension legislation; investment returns).
The world we live in evolves constantly. Your needs change with it. We like to check in with our clients regularly to make sure your plans stay on track. This combines the occasional coffee or lunch with formal reviews to keep your wealth and investments aligned to your desired lifestyle throughout retirement.
We consider ourselves a forward-thinking and approachable firm. We help our clients build wealth for retirement, spend and enjoy it effectively, and adapt to changes along the way.
If well-laid plans and a prosperous future are important to you – let’s talk about becoming a client.