Retirement Planning York 2017-01-11T21:46:19+00:00

Retirement Planning York

Planning for tomorrow, today

It is never too early to start thinking about packing up and taking off to live the dream.

All it takes is a plan. Putting it off until tomorrow, will simply delay the inevitable. Remember, it is better to do something than nothing at all.

It’s your journey

The big question is, how much do you need to live a comfortable retirement? Everyone’s dream is different. What you value will be different to everyone around you. But money and how you save it is the over-riding factor to a more financially secure future.

Taking the first step is easier with support. As experienced retirement planning advisers, our guidance is designed to find your right way forward. We can:

  • help you work back from your retirement aspirations, calculating how much you realistically need save;
  • select products that are flexible enough to adapt to your changing circumstances between now and retirement;
  • find the perfect blend for your needs today, and your plans tomorrow.

The trend of people needing to save for their own future is unlikely to slow. If you think now’s the right time to start planning for tomorrow, today, contact us now.

Corville Portfolio Services (CPS)

We operate our own Corville Portfolio Services along with the full range of other external portfolio offerings. Our CPS services provide for quarterly monitoring of the selected funds within the portfolio offerings and we inform you of the recommended replacements each quarter via email for your approval.

Asset allocations and funds are selected each quarter, in addition re-balancing of portfolios is undertaken. This ensures your original asset class selection remains in proportion to your wishes and continues to match your investment risk level and that you stay invested in funds which also meet our quarterly selection criteria. This means you will not be left holding a fund which is ‘past its sell by date’ or have an overweight position in any particular sector.

Please see the Portfolio Returns page or click here and see for yourself the performance our portfolios have achieved.

Approaching retirement

Suddenly, the retirement years are around the corner. You’ve thought things through, filled up the pension fund over the last thirty to forty years and your plans are swiftly all but a reality. Soon you’ll be living off your pension. But what exactly does this mean?

When retirement time arrives, choosing what to do with your saved money requires careful thought. For many, the decision is easy – replace your work income with a pension income. It pays to choose carefully, ensuring you enjoy every penny you’ve invested and saved.

Making your money work harder

Just like you need petrol to run a car, money provides you with the means to live your life. Big purchases, holidays, a wedding, emergency reserves to dip into if out of work … tucking some spare cash aside regularly makes good money sense.

Picture this, you’ve just landed a cash bonus or been left a sum of money in a will, what saving vehicle will you choose? There’s quite a selection, each offering different terms and incentives.

Shopping around to save

The first question you should ask yourself is; how quickly do you need access to the money? Would you be prepared to forego instant access for a higher rate of interest?

Talking to an independent financial adviser will help you:

  • decide which saving facilities and features are relevant to you;
  • pinpoint what you are saving for and how much you’ll need to set aside to reach that goal;
  • compare the cost of any debts you have accumulated against the interest you are likely to earn in savings
  • source the most tax efficient savings account.

To discover new ways in which you can make your money work more effectively, contact your local Independent Financial Adviser about Retirement Planning York and North Yorkhsire.

Retirement Planning York

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