
What is the best retirement plan?
What is the best retirement plan? The best retirement plan is quite simply one which leaves you enough money …
Read moreWealth Management | Retirement Planning 18 March 2022 | Helen Blackburn
Here we stand in an Age of Uncertainty.
The Russian invasion of Ukraine. Domestic political issues. Rising Inflation.
Enough to make you want to shelve any retirement plans you may have?
Well, that depends on how much you are prepared to let wider events affect your personal decisions.
Of course, the Russia/Ukraine situation is terrible and our hearts go out to the brave Ukrainian people fighting to retain their freedom.
And back home, nobody will escape the pressure on living standards brought on by rising energy and food prices. The biggest squeeze on household incomes since the 1970s.
It can be tempting to wait until things settle down. Though they won’t, entirely. Such is the nature of life.
Consider this:
At whatever stage you are at with your retirement planning – still paying into a pension, or starting to draw from yours, there is one planning tool which can help us rest easy at night – Your Cashflow Plan.
In its simplest form a household spreadsheet of income and expenditure is a good starting point. Feed this data into a sophisticated piece of cashflow planning software and you have a tool which can forecast the income you will need for your entire lifetime.
My team uses Voyant software and here’s 5 ways it adds extra value over a simple spreadsheet:
Cashflow planning is just one key aspect of retirement planning. Here’s 3 others to ponder:
Active management of pension funds is now vital throughout your life. The old approach of transferring most of it into cash upon retirement will not serve you well. Particularly considering rising inflation. Cash deposit account have never kept up with rising inflation – reducing your spending power over time.
Please don’t keep your future on hold – Call us now on 0121 355 4455 to chat with one of our friendly pension specialists or email us at appointments@oaklandswealth.com
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Read moreIt’s easy to move on from another advisor.
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“After great dissatisfaction with the service of major high street banking group I approached Oaklands to manage my pension and investment portfolio. They have provided sound advice on pre- retirement planning and achieved a good return on our capital as well now in retirement. The service offered by Helen and the team at Oaklands is second to none.”
No half measures. We don’t set it up then leave you all at sea. We manage your investments ongoing and hold ourselves accountable for steering you through your financial journey.
This phrase came from a client who said that’s exactly what we felt like to him, he said “you are like a friend or good neighbour who’s always got my best interests at heart.”
Whatever the reason you come to us we care. We really care. Like it’s our own money.
Tidying up bit and bobs of pensions and putting them neatly in a pot you have full control over.
Maybe transferring a final salary pension if your objectives are better met with your own pension.
Making sure you get all the tax efficiencies legally available to you to enhance your money.
Pointing the microscope on 3,000+ funds and finding the best ones to secure your retirement.