Retirement Planning

A retirement plan helps you decide what type of lifestyle you’d like to have, how much you need to save and how to manage your money after you stop working.

Retirement Plan

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Consider the timing of your retirement

Everybody is different, and choosing when to retire is down to your own personal circumstances. Some people are happy to carry on working for as long as they can, but for others retirement can’t come soon enough.

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It’s important to consider how much your pension may be worth in retirement to ensure you are able to fund the standard of living you require. There may be the option of a phased retirement whereby you gradually reduce your hours of work in preparation for full retirement.

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How much do you need to save?

We all want to have a comfortable retirement with enough money to live on – that’s why it’s important to plan ahead and work out what you think you’ll spend once you are retired.

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Our qualified consultants can help with this by looking at your current spending habits compared with how much income you expect to receive in retirement and identify any shortfalls. Once we have reviewed the outcome we can then recommend a solution to match your needs.

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Having a balanced portfolio

It’s a good idea not to put all your eggs in one basket and it’s important to create the right balance between risk and reward. We work with leading fund managers to create bespoke fund solutions for our clients,

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and will match the risk parameters you are willing to accept and make it clear how these funds can help you achieve your financial goals.

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Would you be surprised at what this would provide

If you took a snapshot of your current financial situation, would you be surprised at what would this provide for you in the future? Personal circumstances and Government rules change regularly

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therefore it is important to review your planning needs to ensure they still meet your goals and objectives.

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Options on taking your benefits

Since changes were introduced in April 2015, more freedom has been given to how and when you can access your retirement fund. Depending on your circumstances you may be able to: –

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  • Take ALL of your funds as a lump sum
  • Take part of the funds and leave some invested
  • Start taking a regular income of your funds
  • Buy an annuity
  • Sell your assets
  • Leave it where it is

There are lots of products available on the market and that’s why our consultants will assess each of our clients circumstances and needs before offering advice and recommendations.

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Different methods of funding

Employer & employee contributions, investments and rental properties are all different ways which you can fund your retirement. Diversification of assets is key to ensure a stable income.


Pensions are long term investment vehicles, your capital invested can go down as well as up and
you might not get back what you invested.

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“Clayton Holmes Naisbitt have always put our interests first by giving both of us sound, clear advice with no obligation to buy into services they recommend. All our questions are answered with clarity which is important in the financial world where attention to detail is vital. We would not hesitate to recommend them to anyone looking for sound financial advice.”

– Stasha & Peter

“Following the sudden death of my husband, Lee provided an exemplary service by managing my finances throughout that very difficult time. He has subsequently provided me with excellent advice on investments, explaining them to me in a simplified easy to understand way. I will gladly recommend him to friends, family and colleagues.”

– Nick Fozzard

“Just want to say how grateful we are (to Daniel Lees) for the help and advice you’ve given us over the past few months and for helping us to get our mortgage application through and approved; it’s been a massive help to us as first time buyers to have been able to rely on your knowledge and expertise and have been really pleased with the service we’ve received.”

– Michael & Sophie

Clayton Holmes Naisbitt