I’ve advised a number of teaching professionals over the past 18 months who are approaching their normal retirement date, considering retiring early or accepting a voluntary redundancy. Their main concern tends to be uncertainty about the future and the impact of their decision to leave employment on their financial future.
That’s where we come in – we can show you exactly how your financial future looks given a number of scenarios e.g. retiring now and taking your pension immediately, retiring and deferring your pension, accepting a redundancy package and deferring pension benefits until a later date. All of these factors can have a major impact on your future. We assess your current and anticipated levels of expenditure (how much money leaves your bank account each month), all future sources of income (tax free lump sums from pensions, state pensions, work pensions, AVCs etc) and your existing investment and savings portfolio.
We work together to minimise your tax paid in the first couple of years and to structure your investment portfolio to match your lifestyle plan and to ensure that you are taking no more risk than is necessary with your money.
Here is an independently verified review left in August this year by a teacher who I provided with financial planning, pension and investment advice when he had the opportunity to accept a voluntary redundancy:
“Extremely professional but friendly approach. At early meetings, Mr Gibson took time to find out about my circumstances so that a suitable strategy could be instigated. Excellent advice and well explained at each stage. Time was always taken so that I fully understood the procedures. Good lines of communication at all times – I always felt that I could contact Mr Gibson with any queries. I felt that trust was built up very quickly. I would not hesitate to recommend this adviser to a friend or colleague.”
Contact me today on 02870351164 or firstname.lastname@example.org to arrange a no cost, no obligation appointment to discuss how our service can help you secure your financial future.