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Pre-Retirement Planning

Retirement planning is one of the most important areas of financial planning. Because it will determine when you can retire and the type of lifestyle you can enjoy. It could be the longest most enjoyable holiday of your life or the most worrying.

We aim to take away these worries and help you plan for what should be one of the most enjoyable times of your life. Whether it is to enjoy your hobbies, travel the world, or just spend time and money on the ones you love.

To help you we need to understand your retirement goals and aspirations, such as:

  • When you would like to retire.
  • How much income you will need in today’s terms.
  • What you want to achieve in your retirement.
  • The ad-hoc expenses, that you may incur, such as new cars and special one off holidays.

Retirement planning is not just about saving into a pension. It is important to diversify your savings, to include as many income streams as possible. This can also sometimes help with tax planning in retirement.

These may include:

  • Your state pension entitlement.
  • Existing pension benefits
  • Other investments such as ISA, Unit Trusts and deposit savings and investment bonds.
  • Buy-to let property

These, will help us, help you, build a robust portfolio of assets, to help you meet your income requirements in retirement. Along the way we will look to build the right investment proposition to fit your personal needs.

During our journey together we will continually manage and monitor the progress of your portfolio. During our ongoing reviews, we will use our cashflow software, to ensure that you are on track to  meet your dream of a comfortable and rewarding retirement.


“I have had a business relationship with Neil for the past 3 years following a recommendation from a friend. I have found Neil’s considered advice and guidance invaluable in my financial planning.

It is really refreshing to work with someone who is truly interested in their client’s needs, circumstances, and preferences. I have been really impressed with the way that Neil has taken the time to understand where I was at, his depth of knowledge, lateral thinking and his common sense approach. Neil always explains everything thoroughly and I never feel uncomfortable asking questions or expressing an opinion. I am delighted I followed up on the recommendation 3 years ago.”

Nigel – Reigate, Surrey

"Focused on Preserving & Growing your Savings"