Mike and Linda were diligent savers, spending a lot of time ‘chasing rates’ to get the most out of their savings. They were looking for reassurance that their money wouldn’t run out and that there would be enough left over for their loved ones to enjoy.
Seeking pension advice | Establishing the value of your pension | BlueSKY
Establishing the income your pensions will provide is essential when planning for retirement. Nevertheless, many people are unsure what they can expect.
For most people, it’s likely that you will have several pensions scattered around with very little idea of their value, the income they’ll provide in retirement, how they’re performing and the charges being paid.
The value of your pensions will affect many elements of life, both now and in the future: from the age at which you can retire to the lifestyle you can expect. Establishing what you have and what it will provide in the future, sooner rather than later, is often the key to achieving your goals and aspirations in retirement.
What our clients say about us
The questions we will help you answer
What is the value of my pensions?
What income are they on track to produce?
When can I afford to retire?
What income will I get from the State Pension and when will this be available?
Should I take my income directly from my pension scheme or consider a transfer?
Will my pensions enable me to maintain or even improve my standard of living?
We have over 20 years’ experience in collaboratively working with people who are unsure about the pension income they can expect in the future. We offer specialist financial planning services, including advising on Defined Benefit and Final Salary schemes if appropriate for your situation; we guide you every step of the way as you plan for the future.
Here’s what we do:
- We take the time to get to know you and your goals for the future. We never talk about your money straight away; we believe that creating a trusting and understanding relationship is the best way to ensure your financial plan has your best interests at its heart.
- We will then address your initial concerns. If you’re worried about not having enough money to retire or live your desired lifestyle, we will provide reassurance and show you what’s possible.
- We will review your existing pensions, establishing a full financial profile and making sense of what you have. We will also deal with all providers and paperwork so that you don’t have to. At the end of this stage, you will have a full financial plan that includes recommendations to get you on track to meeting your retirement goals.
- We will work with you on an ongoing basis, guiding you from the planning stage to the day you retire and beyond. As your circumstances, needs and goals change over time, you can be sure that we will work with you to keep your financial future secure.