Maximising Your Retirement Income

Maximising Your Retirement Income

The problem when you retire is that you lose the safety net of your salary and therefore it is vital that you are maximising your retirement income.    You are left with the savings you have built up through a lifetime of working and it’s unlikely those savings are...
What Retirement Income You Need

What Retirement Income You Need

Do you know what retirement income you will need? Or what your spending will look like in retirement?  Do you know how much retirement income your current pension and investment portfolio will deliver?   When I start working with clients, many struggle to comprehend...
Investment Risk Just Before Retirement

Investment Risk Just Before Retirement

Over many years it was considered appropriate to reduce your investment risk just before retirement.    After all, if you are soon to be taking money out of your pension fund, it’s logical to want to protect its current value to maximise those withdrawals.   But there...
Sustainable Pension Withdrawals

Sustainable Pension Withdrawals

When you hit retirement you are going to need sustainable pension withdrawals.   If your pension withdrawals are not sustainable it is going to mean a very difficult retirement. You may have to move home, go back to work or worst, not do the things you love and...
Using Your Pension To Buy A House For Your Child

Using Your Pension To Buy A House For Your Child

Have you ever considered using your pension to buy a house for your child? Did you know that you could not only access your pension from 55, you could access it even if you are still working? According to Legal and General, the average amount given by parents to their...