Already retired

At Aspire we spend a great deal of time preparing our clients for retirement, but good advice is also of huge benefit for those who have already retired.

If any of the following dilemmas resonate with you, get in touch:

  • Having put in the hard graft to build up your pensions, you don’t know whether they’ll be enough, or how much you can afford to spend
  • You have a variety of pensions and investments, but don’t have a coherent investment strategy or structure in order to provide the money needed to meet your spending
  • There is some complexity to your pensions: such as owning a property in a pension, having a SIPP or SSAS or being close to the Lifetime Allowance
  • You wish to gift money to family, and want to know how to best achieve this, how much you can afford to gift, or how to ensure fairness between beneficiaries
  • You want to structure pension and investment withdrawals to be as tax efficient as possible, without introducing unnecessary complexity
  • You want to avoid your beneficiaries paying more Inheritance Tax than they need to and, if there is tax to pay, ensure they’ll have the money to meet the cost
  • You don’t have a clear understanding of the level of risk you are taking within your existing pensions and investments
  • You’ve been a confident self-investor in the past but now find monitoring individuals shares and investments harder, a worry or less rewarding

We use cutting edge lifetime cash-flow modelling to help work out what the future could look like based upon your current situation, as well as show you the potential long term impacts of making key decisions now.

We pride ourselves on being approachable and straight talking. If we don’t think we can help you we’ll be honest and point you in the right direction. If we do feel that we can add value we’ll provide you with a tailored Scope of Work, outlining the fees we would charge for the services detailed.

You can then take your time to consider whether you would like to continue your retirement journey with Aspire by your side, to help navigate the inevitable highs, lows and decisions that life throws up.

The Financial Conduct Authority does not regulate Tax Planning.

If you are facing any of these issues in retirement, get in touch and we can talk it through.

Get in touch using the form below

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