SOLUTIONS

Professionals

As a busy professional it can be difficult to find time to manage your finances or plan for your retirement.

Our team of experts are there to provide you with the support you need to plan for your financial future. We will put a strategy in place to ensure you have a sufficient pension pot to see you through your retirement years. We will advise you on how to maximise your investments and review your overall financial position to ensure all the bases are covered.

Our Approach

  • Defining Your Retirement Goals

    We start by helping you identify what retirement looks like for you. Do you envision traveling, pursuing hobbies, or maintaining your current lifestyle? Understanding your goals will guide us in creating a retirement plan that reflects your unique aspirations.

  • Setting Income Targets for Retirement

    Knowing how much income you’ll need in retirement is essential. We work with you to set realistic income goals, ensuring you have a clear picture of the funds required to enjoy a comfortable retirement without compromising on your quality of life today.

  • Calculating Required Savings

    Based on your retirement goals, we help you determine how much you need to invest monthly or annually to build the pension pot you’ll need. Our guidance ensures you stay on track, making steady progress toward your retirement fund.

  • Investing for Long-Term Growth

    Your pension plan should be built for growth. We advise on investment options that align with your risk tolerance, time horizon, and retirement goals, helping you make the most of your contributions over time.

  • Adapting to Life’s Changes

    Life and financial markets can be unpredictable, so we offer regular reviews of your retirement plan. This ensures your strategy remains aligned with your evolving circumstances and that you stay on course to meet your retirement goals.

  • Enjoying Life Now and Later

    Balancing today’s needs with future security is key. Our approach helps you allocate resources effectively, so you can live a fulfilled life now while confidently working towards a secure financial future in retirement.

Accountants / Tax Advisors / Solicitors

You want what’s best for your clients.

At Financial Planning Matters we are always looking to partner with industry professionals to collaboratively manage and share industry best practice. With dedication and focus, we’ll help your clients achieve their goals and experience financial confidence along the way.

We have a mutual commitment to making client’s finance work for them.

Schedule a Complimentary Zoom Consultation (15 mins)

Take the first step toward a secure financial future with a free 15-minute Zoom meeting with our team. In this initial consultation, we’ll discuss your current financial situation, answer your questions, and explore how we can help you achieve your goals.

Browse through our Frequently Asked Questions below

  • The age at which you can retire comfortably depends on your savings, retirement goals, and lifestyle needs. While some people aim to retire in their early 60s, others may be financially ready earlier or prefer to work longer. We can help assess your current financial status and estimate a retirement age that aligns with your goals and resources.

  • Deferred pensions, or pensions left with previous employers, can sometimes be consolidated or transferred, depending on your current financial strategy. We’ll guide you on whether keeping, moving, or combining your deferred pension with other funds is the best decision for maximizing growth and managing fees.

  • How much to contribute to your pension depends on factors like your age, current savings, and desired retirement income. A general recommendation is to save 10-15% of your annual income, though this may vary. We can help set an appropriate contribution level based on your unique retirement timeline and financial situation.

  • Investing for retirement requires a balance between growth and risk management. Younger investors may benefit from a more growth-oriented approach, while those nearing retirement often focus on stability. We provide guidance on building a diversified investment portfolio that suits your risk tolerance, retirement horizon, and financial goals.

    So, if you need to obtain an insurance policy, invest in a portfolio of funds or find an estate planning specialist or tax professional, we can direct you to the resources you need or help you obtain these products and services.

  • Your retirement spending should align with your retirement income to ensure sustainability. We assist in creating a budget that balances your essential and discretionary spending, helping you enjoy retirement while ensuring your funds last as long as needed.

  • There are several strategies to reduce tax liability, such as maximizing pension contributions, utilizing ISAs (or similar tax-advantaged accounts), and managing capital gains effectively. Our tax-efficient planning helps you minimize tax costs legally while ensuring your investments remain aligned with your goals.

  • Deciding to save or invest a bonus depends on your financial goals, cash flow needs, and risk tolerance. If you’re focused on short-term needs, saving may be wise. For longer-term growth, investing could offer better returns. We can help you determine the best approach based on your financial picture and aspirations.