Retirement Planning

Planning your journey for retirement.

What do you want your retirement to look like?

“Don’t simply retire from something; have something to retire to”

Harry Emerson-Fosdick

Retirement may or may not seem to be a long time away. If you want to be able to do things you dream of, that maybe a hectic work life has prevented you from doing, such as travelling, exploring hobbies, or serving your community, you need to plan as soon as you can.

Delaying retirement planning, even by a few years, could potentially have a huge detrimental effect on your retirement income. Within limits, we can also get some help from the tax man. There are, however, some HMRC restrictions you need to be aware of.

Our role as independent financial advisors is to help you plan and prepare for the retirement you would like.

The value of pensions and the income they produce can fall as well as rise and you may not get back the amount originally invested.

Retirement Planning

Planning your journey for retirement.

What do you want your retirement to look like?

Retirement may or may not seem to be a long time away. If you want to be able to do things you dream of, that maybe a hectic work life has prevented you from doing, such as travelling, exploring hobbies, or serving your community, you need to plan as soon as you can.

Delaying retirement planning, even by a few years, could potentially have a huge detrimental effect on your retirement income. Within limits, we can also get some help from the tax man. There are, however, some HMRC restrictions you need to be aware of.

Our role as independent financial advisors is to help you plan and prepare for the retirement you would like.

“Don’t simply retire from something; have something to retire to”

Harry Emerson-Fosdick

The value of pensions and the income they produce can fall as well as rise and you may not get back the amount originally invested.

Retirement Planning

Your journey through retirement

Time to reap the rewards!

When you have reached your retirement, whether that be a complete and full retirement, or one gently phased in, it is important that your pension funds are managed in order for you to enjoy the level of income you would like, and that this income is sustainable.

What are the options available to you? These include annuities, lump sums, drawdown or a combination of different options. We will advise you of your options, considering your objectives and other financial provision you may have.

Regarding the purchase of an annuity, simply purchasing from your current provider could be an expensive mistake after which you cannot reverse. Annuity rates vary significantly between providers and the FCA recommend to shop around before you make a decision. We can do the leg work for you and in certain circumstances, due to health or lifestyle issues, obtain enhanced rates for you.

Please contact us for a no obligation conversation.

“Retirement is when having a good time is your only job!”

Anon

Retirement Planning

Your journey through retirement

Time to reap the rewards!

When you have reached your retirement, whether that be a complete and full retirement, or one gently phased in, it is important that your pension funds are managed in order for you to enjoy the level of income you would like, and that this income is sustainable.

What are the options available to you? These include annuities, lump sums, drawdown or a combination of different options. We will advise you of your options, considering your objectives and other financial provision you may have.

Regarding the purchase of an annuity, simply purchasing from your current provider could be an expensive mistake after which you cannot reverse. Annuity rates vary significantly between providers and the FCA recommend to shop around before you make a decision. We can do the leg work for you and in certain circumstances, due to health or lifestyle issues, obtain enhanced rates for you.

Please contact us for a no obligation conversation.

“Retirement is when having a good time is your only job!”

Anon

Protection

What would be the consequence of losing your income due to long-term sickness, suffering a critical illness or your untimely death?

Savings & Investments

What will you need money for in the future? For that special holiday or home move, or to fund your children’s education or university fees, you might need to sacrifice some of your income or savings that you have today for your future financial objectives.

Retirement Planning

Retirement may or may not seem to be a long time away. If you want to be able to do things you dream of, that maybe a hectic work life has prevented you from doing, such as travelling, exploring hobbies, or serving your community, you need to plan as soon as you can.

Inheritance Tax

You have worked hard for many years, made provision, invested wisely, and after many years of increasing asset values, particularly in the value of your home, you, like many people, find yourself caught in the inheritance tax trap.

Independent Financial Advice

How we work together

Our approach to investment advice is based on clearly understanding your financial situation, your goals and objectives.

Working together we will go through a process of understanding your needs and objectives designing a plan aligned for your aspirations and goals.

Independent Financial Advice

How we work together

Our approach to investment advice is based on clearly understanding your financial situation, your goals, and how much risk you are prepared to take with your goals and objectives.

Working together we will go through a process of understanding your needs and objectives designing a plan aligned for your aspirations and goals.

We entrusted Andrew Graham Wealth Management with our retirement planning, and it has been a game-changer. Their insightful guidance and personalized approach have not only secured our financial future but also given us peace of mind. Andrew’s team is exceptional in crafting tailored investment strategies, ensuring a comfortable retirement. Highly recommend their expertise!

As a client of Andrew Graham Wealth Management, I can confidently say that their commitment to excellence in retirement planning and investments is unmatched. Andrew and his team provided us with a comprehensive strategy that aligns with our goals. Their attention to detail and proactive communication make them a standout choice for anyone serious about securing their financial future.

Andrew Graham Wealth Management has been instrumental in navigating the complexities of retirement planning and investments. Their team’s expertise and commitment to client success are evident in every interaction. Andrew’s personalised approach and strategic insights have significantly enhanced our financial well-being. Trustworthy, reliable, and highly recommended!

Choosing Andrew Graham Wealth Management was one of the best decisions we made for our retirement. Their in-depth knowledge and professionalism in investment planning have exceeded our expectations. The team’s dedication to ensuring our financial security and comfort during retirement is truly commendable. Grateful for their guidance and highly satisfied with the results!