Planning a successful retirement

Planning a successful retirement

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With life expectancies increasing and retirement ages being pushed back, you may be asking yourself how effective your retirement planning actually is. Do you genuinely know what standard of living you will be able to enjoy when you finally stop working? These are the most common questions asked by new clients:

‘Should I put all my pensions together?’
‘Why aren’t my pension plans growing and am I paying in enough?’
‘I’ve not heard from my pension adviser in years, can you help me?’
‘I’ve got a lot of money in my pension, should I have a Self Invested Personal Pension?’
‘Should I buy an annuity or take income drawdown? What’s the difference?’

Despite extensive rule changes in 2006 to ‘simplify’ pensions, pension rules have got more complex over the past few years.

‘Pension Freedom’, introduced in April 2015 has meant clients taking even greater care with their ‘at retirement’ decisions. We can help.

We’ve been able to explain to many clients why their pension scheme is or isn’t working or growing, the correct level to pay in, the pros and cons of consolidating several pensions.

Create Wealth Management has built a reputation on understanding the needs of individuals so that we can help you to make an informed decision about how best to plan, invest and ultimately take your pension benefits at retirement.

What Our Clients Think

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I know Steve as I am a solicitor working with mutual clients. I am aware of his advice on financial & Tax planning. His depth of knowledge gives his clients and me as a referrer great confidence in his abilities. His understanding of a client’s needs and the approach he takes is invaluable to those he advises. I have no hesitation to recommending him to my clients.

Mr. Chris Beames, Senior Partner, Private Clients at Berry Smith LLP

I have known Stephen for many years and have always valued his time and guidance when helping me with my financial planning, investment planning and advice. I am someone who always seems to be on his way to a meeting or to catch a plane. Stephen and the team at Create Wealth Management have always been able to accommodate me and have taken time to fully understand my personal needs and objectives whilst always explaining complex topics in terms I understand. In tailoring their service for me, they help me look after the most important things to me; my family’s enjoyment of life, the ability...

Philip Wagstaff, Sunningdale

Responded quickly to my query and gave clear and honest advice, being transparent as to whether any further value could be added over and above what I was already doing.

Ms. Jane Rees, Worcester

I have been a client of Peter Davies and Create Wealth Management for about 10 years now and have been consistently impressed and delighted with the care and attention Peter has always shown in understanding my needs. From the time he put in place arrangements to relieve me of my inheritance tax liabilities to the ongoing monitoring of my investment funds he has ensured that I have enjoyed both a regular income and capital growth from them; just exactly what I requested.

Mrs M Howell, Newport, Pembs.

I have known Stephen for many years and became a direct client 7 years ago. During this time I have had every confidence that Stephen understands my individual requirements and needs and has provided suitable advice when it has been appropriate and has not just provided advice for advice sake. It is pleasing to see that he takes his own professional development and all-round financial knowledge very seriously so that he is well equipped to provide advice on the ever changing economic and market conditions.

David Kelly, Almondsbury