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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Peter, thank you so much for your time and excellent advice this morning. I really appreciate it.

Mrs H, Pembrokeshire

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.

Mr & Mrs J Fisher, Glamorgan

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

I have known Stephen for over 15 years. I have always been very impressed by his calm professionalism and integrity. I know he maintains excellent CPD standards and has the gift of being able to present his advice to his clients in an accessible fashion but without in any way compromising the quality of that advice. It is evident that he prepares very thoroughly for meetings with clients. I have been grateful to Stephen for the advice he has given to me and the considerate manner in which he has advised my parents over very many years.

Richard Breeze, Bridgend

Stephen is one of the few IFA’s who truly offers unbiased advice. He is a good listener and sees it as a strength to double check on issues he isn’t 100% sure of. I am a firm believer that good advice is advice worth paying for. Most people think they know about financial issues or what is best for them and their money. The reality is, in my view, far different and means that many act too quickly or on impulse when making serious financial decisions. As an industry, financial services has been justifiably tarnished with the wrong brush. As such, it is important to seek out a competent and h...

Mr. G.O. Jones, Bristol