Retired

Mortgages

Once you retire, you may have your home paid off and it maybe the largest asset that you owe. You maybe able to release the equity from your property so that it can provide you an income during retirement. We will be able to advise you on the options and consequences of such schemes.

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Insurance and Protection

Into retirement whole of life insurance can be used to mitigate any Inheritance Tax Liability. Insurance for funeral expenses maybe required to insure that you do not leave a financial burden to your loved ones.

Through out your life you have accumulated wealth we will be able to advise on how to keep this wealth and pass as much of it on to your family as possible. We can also advice on how to make sure that you are covered so that you will not have to sell your home to pay for nursing home fees.

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Savings and Investments

Your objectives may change into retirement, the investments that you have may be more geared towards income generating funds or you may wish to re - invest.

Taking income is taxable so it is important that you do this efficiently and in a timely manner. Your attitude to risk maybe  more cautious and it essential that your investments reflect this.

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Pensions

When you retire, you may want to reduce the risk that you take with your pension and your objectives may be more aligned with generating a steady income. It is imperative that you receive professional advice to ensure you get the most out of the pension fund that you have accumulated over the years.

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