Already retired

As a retiree, it can be difficult to know which options will make the most of your finances.

Managing your pensions, savings, investment and tax affairs can quickly become overwhelming and complicated. Throw in the complexities of estate planning and it’s no surprise some people put off making important decisions, which could benefit themselves or their family. 

A Vision West & Wales financial planner will create a financial plan to help meet your retirement and estate planning objectives. We pride ourselves on our commitment to our clients and our ability to build long-standing relationships with people. By reviewing and understanding your needs, goals and worries, we can present the options which suit your needs best and help you to make an informed decision.

We will:

Financial Management

  • Work with you to review your income levels and ensure they are sustainable. We do this by producing a financial plan, you can see an example by clicking here
  • Consider ways your income could be increased allowing you to improve your lifestyle or make gifts to loved ones
  • Investigate whether ‘Pension Freedoms’ can improve your financial position
  • Build a plan to ensure your savings and investments are held in a way which will maximise returns and meet your objectives 
  • Review your plan regularly to make sure it remains appropriate

Family matters

  • Help you to discuss important financial matters with loved ones, family members and your spouse
  • Help you understand whether you can afford to make gifts to your family and the effect this will have on your income and lifestyle
  • Discuss options to ensure that important decisions can be taken should you lose the ability to do so
  • Ensure that plans are in place to distribute your assets according to your wishes
  • Discuss the options you have if paying for care becomes necessary

Your legacy

  • Take steps to ensure that care costs don’t significantly erode your estate
  • Put in place a plan to ensure that any Inheritance Tax (IHT) payable when you die is kept to a minimum. Click here to see an example
  • Ensure that on your death your assets are distributed in accordance with your wishes

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