Experienced Retirement Financial Planning
“Deliberately Different.”Featherstone
Retirement financial planning can seem daunting given the vast number of options available and the complexities of ever-changing tax and pensions legislation. With life expectancy increasing and retirements spanning 30+ years, it is essential to start thinking about your retirement goals well ahead of time… and that’s where the team at Featherstone can help.
Our Retirement Financial Planning Services...
Pension Planning
Pension contributions can be one of the most tax-efficient ways to save and invest. Restrictions around pension allowances can differ from person to person, shaped by the level and source of personal income as well as a range of other variables. Our team of pension advisors help you to understand your personal allowances, giving you the ability to make informed decisions about pension contributions and retirement financial planning with your own circumstances and objectives in mind.
Defined Benefit Pension Schemes
Unless you work in the public sector or have a historic pension scheme, gone are the days of retiring with a generous guaranteed defined benefit pension, also known as a final salary pension.
These ‘gold-plated’ schemes have made way for often more vanilla and less flexible workplace pension schemes, where the employer’s burden of responsibility is transferred to the employee.
Our financial planners offer measured advice on this part of your personal financial planning.
Self-Invested Personal Pensions
A self-invested personal pension (SIPP) is a modern, flexible form of defined contribution pension, giving the owner more freedom in how to invest than has historically been offered by traditional pension schemes. Instead of selecting from a limited range of investment options, SIPPs allow for access to a wider range of investments and types of assets. These include equities, bonds, funds, commercial property, and land.
SIPPs can be used in retirement planning as vehicles for the consolidation of historic workplace schemes, allowing multiple pensions to be gathered in one place and invested coherently. SIPPs can also be used for effective inheritance tax planning.
At Featherstone, we provide advice & recommendations around SIPPs and the accumulation and decumulation of assets.
Cashflow Planning
We employ cashflow modelling to help with investment and retirement planning and assist with accumulating and decumulating assets to support your objectives. This can show whether or not you are on track with your financial objectives and can help you make informed decisions. This can be reviewed and updated periodically to monitor progress and take account of any changes to your circumstances.
What is Retirement Financial Planning?
Retirement financial planning is the process of determining retirement income goals and creating a strategy to accumulate the necessary assets to fund those goals through saving and investing.
Benefits of Retirement Financial Planning
Here at Featherstone Partners, our expert team is well equipped to introduce you to the myriad advantages of retirement investment and financial planning. From financial security and peace of mind to increased financial growth within your retirement accounts, there are a number of personal, professional, and lifestyle benefits when it comes to retirement investment and savings.
Starting Your Retirement Financial Planning
The first step of retirement financial planning is to consolidate your goals. This process, guided by one of our investment specialists, can help you create a personalised plan that aligns with your needs. Get in touch for more information as to how we can help.
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