Partnership Approach

We tailor recommendations to suit your individual requirements.

Tel: 0141 954 3751

A “one-stop” solution for all your financial needs.

Partnership Approach

Before you buy any financial product we make sure;
You understand, want and can afford it.

Initial Meeting

An initial meeting with an experienced adviser, will capture a “Financial Picture” of your current financial position.

We consider an overall strategy for your financial needs and objectives, taking into account your short, medium and long terms plans.

High Level / Touch

You want to fully “engage” with us for all your financial/lifestyle needs.

Low Level / Touch

You require us to monitor your financial planning in a non intensive way. To optimise value for money from the services we provide.

Pay as You Go

You want us to provide advice for a specific current or anticipated future need.


Retirement Planning

Retirement - Plan Ahead, look forward

It could end up being the longest holiday you have ever had, BUT will you have both the health and the resources to enjoy it to the maximum.

People planning to retire this year expect to be living off the lowest average incomes recorded in 6 years.

  • Retirees in 2013 can expect to have a typical annual income of £15,300, making them around £3,400 a year worse off than people who retired in 2008.
  • Income has 14.7% less spending power than its equivalent in 2008, as well as ever growing living costs, plummeting annuity rates and low savings returns.

Retirement means different things to the ‘baby boomers’ now reaching retirement than it did to their parents – a recent report has uncovered the following…...

39% of people over the age of 55 will work part time during retirement, and that 23% of 65-74 year olds were in paid employment of some kind in December 2012.

And when will you be able to retire?

We are all living longer; the most common age at death in the UK in 2010 was 85 for men and 89 for women. That means a normal retirement life of 20 years for a man, 24 for a woman.

Changes in retirement age

Until recently there was a default retirement age – you retired at 65 and that was the end of the matter – but this was phased out from April 2011, and is now abolished.
This means that people can now work for as long as they like, although a compulsory retirement age can be set by individual companies if there are sound business reasons for doing so. Most businesses do not set a compulsory retirement age and should an employee choose to continue working longer they cannot be discriminated against on that basis.

It’s easy to see why more people are putting off retirement, hoping for better times ahead. But is this the right course of action?

Some facts to consider

Even occupation could be taken into consideration. For example, lawyers, teachers and clerks generally have a higher life expectancy than electricians, farm workers and cleaners.

  • Living costs for pensioners soared on average by 33% from 2000 to 2011, ranging from -8% for footwear to 57% on alcoholic drinks and tobacco.
  • In the UK, males and females can expect to spend more than 80 per cent of their lives in very good or good general health from birth, falling to around 57 per cent at age 65. Males and females in England can expect to spend the longest periods in very good or good general health and free from a limiting persistent illness or disability. The shortest periods are in Scotland and Northern Ireland.

The quality of your future depends on making the right decisions about your finances now. With us helping you make these plans, you can relax and really look forward to retirement. We can help you:

  • Make the right choices now, for the right income in the future – considering different ways of saving tax-efficiently for later life.
  • Decide when and how to start taking retirement income – looking at the options available to you, perhaps postponing income until a more appropriate time.
  • Consider shopping around to enhance your annuity – looking at lifestyle factors that could be affecting your health, possibly giving you access to more income.
  • Take advantage of tax-free cash sums that could be available – understanding the benefits of accessing your pension fund in stages, rather than all at once.

By examining your current arrangements in detail, we may be able to identify ways to improve your income in retirement – or consider alternative routes that would give you the lifestyle you are aiming for in later life.

Our focus is always on you and your future – the best possible financial future.