Planning a successful retirement

Planning a successful retirement

Back To Services Page

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

See All Testimonials

Peter has provided excellent advice to me and my partner over many years. He recently advised me to claim a dependants occupational pension following the death of my partner, which I am now gratefully in receipt of. I would fully recommend using Peter as an adviser.

Mrs Vera Jones, Milford

I have known Peter Davies for many years, from the first time I met him 10 years ago when he was at Lloyds Private Banking looking after my money, to now at Create Wealth Management. He has never been less than scrupulous and helpful in managing my affairs and we have built up what I believe is a friendly personal relationship Now I am in a care home and faced with the complexities of sorting out my funding and Peter has been unfailingly helpful and encouraging and if does come to a satisfactory conclusion it will in no small part be due to Peter’s knowhow and advice .

Mrs S Morris, Pembroke

Stephen understands our needs and listens carefully to our preferences. He is reassuring about complicated procedures. He never tries to push a product or influence us beyond advice. He has been very sympathetic and a good friend in our difficult circumstances since my husband’s Alzheimer’s diagnosis. Needing help with care costs and helping with funds for grandchildren. Help from Stephen has been reassuring and secured the financial situation.

Susan & Jim Fisher, Cardiff

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 contacted Stephen because I was selling my business. Stephen has been looking after my financial portfolio since selling my business in 2009, with twice yearly reviews which he always works around my diary no matter where I am. Over the years Stephen has provided me with excellent advice, always taking into consideration my likes/dislikes about certain financial products and provides me with alternative ideas. He’s recently reviewed my various pensions and amalagmated them into one. Stephen always gives me great comfort in knowing my financial portfolio is on track for my retirement. I am...

Jane Walsh, Hapton, Lancashire