Retirees - Headway Wealth
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So much financial planning focuses on the journey to retirement. And yet, reaching that long-awaited milestone doesn’t mean that you stop making Headway. There are just a different set of questions to ask and decisions to make.


WHAT TO DO WITH YOUR PENSION

These start by deciding what to do with your pension pot. There’s no need to release funds on day one. Nor are you barred from making further contributions to enable your fund to grow in retirement. In fact, you may be in a position where you don’t need to utilise all of your pension and can start passing it on to those in the next generation with more pressing needs.

MAXIMISING YOUR TAX EFFICIENCY

We can help analyse those numbers in conjunction with your tax situation. We can ensure that you consider your lifetime allowance tax charge while using your annual allowance. Other tax-free saving vehicles like ISAs remain open to you, and this will be a sensible time to take stock and review the role of your wider savings and investments.

AFFORDING YOUR PASSIONS

Most importantly, having reached retirement, there’s lots you’ll want to do. This isn’t the time to work out how much you can save, but to ensure you have the liquidity to invest in the life plans you will have been making for so long. There are places to see, hobbies to pursue and people to share them with. We want to help ensure you have enough to cover all those costs without risking your long-term security.
And finally, there’s the question of passing on your wealth to the right people at the right time.

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Let’s Make Headway

Yes, there’s a lot to take into account. And there are no easy short-cuts. Which is why we’d love to start making Headway. Let’s get talking and develop a financial plan built entirely around your needs and plans for the future.

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SOME OF THE QUESTIONS WE’LL ASK YOU

There is no single perfect retirement plan, nor a journey that would suit every retiree. What matters is working backwards from your plans and goals and using the financial tools most likely to make them all possible. To do that, we need to get to know you. And that means asking you a wide range of questions. Your answers, and the conversations that follow, will enable us to build a plan for you and your loved ones.

  • Have you already retired?
  • If so, have you released a tax-free sum from your pension?
  • Are you now debt-free?
  • Do you intend to continue living in your current home?
  • Do you still have an income or any business interests?
  • Do you have investments in addition to your pension?
  • Have you received advice about your tax position and allowances?
  • What is your family situation?
  • Have you made plans for your inheritance?
  • Do you have a will in place?

WAYS WE CAN SUPPORT YOU AS A RETIREE

Building a financial plan around your needs.

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Managing savings and investing in stocks, shares, property and ISAs.

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Pension planning, pension consolidation, pension finding and managing your pension contributions.

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Advising you on income tax, inheritance tax and capital gains tax plus investing tax efficiently into ISAs and pensions.

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Residential mortgages, commercial mortgages, buy-to-let mortgages and remortgages.

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Income, critical illness and life insurance.

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A retirement plan to allow you and your family to relax.

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Will writing, trusts, estate planning and administration

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Capital at risk. Your home may be repossessed if you do not keep up with repayments.

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