Retirement Planning

When it comes to Retirement Planning, you have to get the numbers right, in order to cater for a decent retirement. Due to the fact that government schemes are often unsatisfactory, an increasing number of individuals and companies are making private, supplementary arrangements.

Retirement schemes are essential and must be set up during your working years in order to provide adequate income later in life. Its not rocket science - the earlier you start saving towards your retirment, the easier it will be to achieve your objectives, the later you start the higher the risk that you will not achieve those objectives. Many people envisage a retirement age of 65 (men) or 60 (women). This is in line with previous State Retirement pension regulations. Recently the State Retirement age has changed to 65 for all women born after 6 April 1955. For earlier retirement, additional planning would be required.

If you have deferred benefits held within UK Occupational Pension Schemes as a result of former employment, or have paid-up individual pension arrangements, it is important to remember that even if you are residing outside the UK at the time the benefits are payable, they will still be fully liable to UK income tax. We can give you advice as to whether you can export your pension.

We can help you plan for your retirement, by assessing your current assets and building a portfolio that will provide a realistic level of income while minimising your tax liability. Contact us to set up a meeting without any obligation.

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Of those who live to retirement, 93% could be dependant on friends, relatives or charity. Where will you be when you retire ? Its never too early to look into your retirment planning and longer term objectives.

In the UK school and boarding fees average £27,000 a year. Keeping in mind that school fees increase over time, its never too late to start putting something aside for your children's education.