Saving for Retirement

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Banner Tfm Retirement Planning

Saving for retirement

This involves helping you clearly define your retirement goals, assessing your current pension and other assets in relation to those objectives, and creating a tailored strategy to optimise your assets for achieving them.

In the process, we also take into account key tax considerations, including Income Tax, Capital Gains Tax, and Inheritance Tax, to ensure the most efficient approach.

Retirement Planning Case Study

The problem:

Client SM, a successful IT practitioner, was promoted and made a partner in the firm where previously he had been an employee.

As an employee, they previously benefited from employer pension contributions

Partners are not employees – they are self-employed.

On being promoted to Partner, their employer pension contributions ceased

They need to make their own pension arrangements.

SM needed to evaluate his previous workplace pensions to understand them and to evaluate how to fund pension savings going forward.

The solution:

TFM's Retirement Income Review Service helped them to:

  • Understand the likely income from present arrangements in a practical way
  • quantify a target income in retirement
  • identify the shortfall between the present arrangements and the target income
  • establish sensible funding arrangements to meet their goal

“I was looking to remortgage to buy another property intented as a long term investment.

Greg was a tremendous support to me during this daunting process. He took time to listen and understand my long term goals of investing in property for my future. He was knowledgeable and was able to discuss alternative investment options with me to ensure I was making decisions. He helped me weigh up the pros and cons of available options. Once I decided on property investment, he was able to guide me through the remortgage minefield and was thorough in his explanations of different products. Again this was immensely useful in finding a suitable product tailored to my circumstances and needs.

I’ve now purchased my second investment property and feel more secure about my future.

The service Greg provided was truly faultless! I appreciated the attention to detail and personal touch of working with a family man who genuinely cared.

Client from Surrey

“Greg has helped me over the years with a range of financial advice: pension, investments following the sale of property, and planning for the future.”

Client from London

“Initially we needed to remortgage, Greg and his team were extremely helpful throughout this process. We then approached Greg to give us advice on our current pensions and arrange for a savings and investment review, again the professionalism and expertise were second to none.

His team found us a very competitive mortgage, the advice and information was superb. Gregs help with our pensions has been superlative, he has explained exactly how he can help and has kept us up to date with any and all details.”

Client from Surrey

“I needed advice on my mortgage, pension and savings.

I had two mortgages, one of which had an endowment that wasn’t going to pay anywhere enough to cover the outstanding balance. Greg was a great help and offered sound advice. Greg has also handled my pension for a number of years and has given great advice with regards to my savings. I didn’t want to be too risky and the options he offered were perfect.

Following Greg’s advice I have now cleared my one of my mortgages and am well on the way to clearing the other one early. My pensions and savings are all doing well.”

Client in Surrey

“I needed to combine several pensions into one place and pent several hours over a couple of weeks advising me of my options while taking care to listen to all my needs.”

Client in Kent

“Taylormade Financial Management has been of huge assistance to me in organising my various financial affairs, including pensions and investments in a tax efficient manner. I would strongly recommend Taylormade for a bespoke, professional and impartial service”

D. L. Essex

“I had been recently widowed and I needed to consider my future and wasn’t sure where I was going financially.

Greg met with me and went over my circumstances and thoughts for the future. We discussed my options, where I wanted to be and when, he then came back with a flexible and workable plan.

I am now in a position where I feel less unsure about the future and comfortable that I can now make those important life changing decisions when I am ready.”

Client from Surrey

“We recommended (she) spoke to you about her pensions after the amazing job you did for us and continue to do with our savings.”

S.R. Middlesex

You never bulls*it me, and I always get consistent advice.

D.W, Kent.

About 8 years ago I turned up at Taylormade’s offices with a box of files from pensions to investments and said ‘help’.  Greg walked me through the procedures and the journey I would embark on to help me achieve my financial goals.    I would have no problem in recommending their services

S.D. London

“We had recently sold our business and I was looking for some financial advice regarding pensions, investments and savings.

By introducing tax efficient investments and investment ISA’s, consolidating several pensions I had into one fund and providing safe, low risk investment opportunities for the funds that I was looking to utilise.

Despite the volatility of the stock market we have been very pleased with the progress to date of the various investments. The tax benefits of the VCT and EIS investments certainly helped to mitigate the capital tax charges following the sale of the business.”

Client from Essex

“You are the only person I know who can make pensions sound interesting.”

N.F. Kent

“Thanks again for your financial planning and nous that has got me to the point where I can think seriously about a decent standard of living in retirement. I really didn’t think that was ever likely to happen and it certainly wouldn’t without your direction.”

D.W. Bucks.

“Now was the time to step up my pre-retirement planning and with the complexities of pensions and planning for this critical stage in my life having a professional to guide me was essential.”

Client from Surrey

“I had a number of pensions that I wanted to consolidate in preparation for retirement. I also needed to assess how much income I could generate from pensions and how my other investment could add to retirement income.

I now have a small consolidated portfolio invested in drawdown and a stocks and shares ISA with which I am willing to take more risks. Greg understands that I like to manage my own portfolio and regularly discusses the economy and different investment options related to my risk profile. He guides my investment rather than doing it all for me. He has also helped me to secure mortgages on investment properties.”

Client from Surrey

Saving for retirement is a long term commitment.  The earlier you start to save, the better the outcome you will generate.

Taking sensible steps, like using the tax incentives available to you, saving regularly, and regularly reviewing your plan all help.

Keeping your composure, and not over-reacting when markets are disturbed, is also vitally important.

We can help you understand your invest options in detail, and frame a strategy to address short, medium, and long term goals, and to manage the risks in a way that aligns with your own priorities.

Arrange a no-obligation chat

If you would like to discuss your needs and how we can help you, do reach out.  We can offer you a confidential discussion with no obligation, in person or via video call.