Retirement Planning2023-05-30T08:56:58+00:00

Retirement Planning

A better way to plan for retirement

Retirement is not an event. It’s a phase in life.

We help you understand your retirement plans, options, pensions and other retirement savings. We help you prioritize and then we analyze multiple outcomes to create the most tax efficient strategy to meet your goals.

Through our advanced planning process we analyze your current and future finances – assets, income, expenses, and help you get on track to where you need to be.

The process will help us to determine the best use of your financial resources. Helping you to maximize your savings.

Retirement Planning FAQs

Can I retire early?2023-05-30T08:55:02+00:00

Retiring early is possible, but it requires careful planning and consideration of various factors, such as financial readiness, healthcare coverage, and lifestyle adjustments. Early retirement may involve additional challenges, such as a longer retirement period and potential reduction in Social Security benefits. It’s crucial to evaluate your financial situation and consult with a financial advisor to determine if early retirement is feasible for you.

How often should I review and adjust my retirement plan?2023-05-30T08:54:46+00:00

It is important to review your retirement plan regularly, ideally at least once a year or whenever significant life events occur, such as a change in income, marriage, birth of a child, or nearing retirement age. Regular reviews allow you to reassess your goals, adjust your contributions, rebalance your portfolio, and make any necessary changes to ensure your retirement plan stays on track.

What investment options are suitable for retirement savings?2023-05-30T08:54:31+00:00

Retirement savings should be invested in a diversified portfolio based on your risk tolerance, time horizon, and investment objectives. Common investment options include stocks, bonds, mutual funds, index funds, exchange-traded funds (ETFs), and target-date funds. It is recommended to consult with a financial advisor to determine an appropriate investment strategy for your retirement savings.

How much should I contribute to my retirement accounts?2023-05-30T08:54:14+00:00

The amount you should contribute to your retirement accounts depends on your financial situation, income level, and retirement goals. As a general rule of thumb, experts recommend saving at least 10-15% of your annual income for retirement. However, the specific contribution amount may vary for each individual, so it’s essential to assess your needs and consult with a financial advisor.

What retirement accounts or plans are available?2023-05-30T08:53:56+00:00

There are several retirement accounts and plans available, including employer-sponsored plans, which are usually defined contribution schemes. Defined benefit schemes ( which are now less common) SIPP’s QROPS, QNUPS to name a few. Each plan has its own eligibility requirements, contribution limits, and tax advantages, so it’s important to understand the options available to you.

How much money do I need to save for retirement?2023-05-30T08:53:37+00:00

The amount of money needed for retirement varies for each individual based on factors such as desired lifestyle, anticipated expenses, healthcare costs, and life expectancy. It’s important to calculate your retirement income needs, considering factors like inflation, and work with financial advisors or retirement calculators to estimate the amount you need to save.

When should I start retirement planning?2023-05-30T08:53:18+00:00

It is never too early to start retirement planning. The earlier you begin, the more time you have to save and invest, which can have a significant impact on your retirement funds. Ideally, it is recommended to start retirement planning as soon as you start working or as early as possible.

Why is retirement planning important?2023-05-30T08:53:00+00:00

Retirement planning is crucial because it allows individuals and families to secure their financial future and maintain a comfortable lifestyle after they stop working. It helps ensure that they have sufficient income and savings to cover living expenses, healthcare costs, and other needs during their retirement years.

Benefit from comprehensive, integrated, and objective advice.

Let’s discuss your specific needs and how I can help you meet your objectives

Financial Planning Services

Retirement Planning

Legacy and Estate Planning

Offshore Banking

Generational Wealth

Cashflow Planning

Investing

What does your financial future look like?

We help you to answer all important questions such as:

How do I make the most of my pensions?2023-03-30T07:13:35+00:00

Whether you’re thinking about opening a pension plan, you’re looking at transferring your pension to a SIPP or QROPS, or you’re nearing retirement and considering your options. You should always make sure you’re fully clued-up when you’re making pension decisions, and seek further advice if you feel you need it.

Will my family be OK when I die?2021-09-10T08:39:20+00:00

No one wants to think about ‘kicking the bucket’, but putting your financial affairs in order can save your family from a lot of extra grief in the event of your death. Only by planning effectively and in advance can you be sure that you have taken the necessary steps available to you. Careful planning is often required to ensure your loved ones aren’t left with nasty surprises when you pass on your estate.

I am risk averse, where should I invest?2021-09-15T11:30:31+00:00

Risk and returns share a direct relation. While risk-prone investments are likely to yield higher returns, they also have higher volatility. Risk-averse investors are the ones who choose more stable returns, even if lower, over volatility. A key element in our financial planning process is to provide a robust investment engine for the realisation of your financial and life goals. Designed to offer a range of investment experiences which can be matched with your capacity for investment risk.

Can I retire early?2023-03-30T07:04:21+00:00

The ultimate goal for most retirees is making sure their assets last as long as they live. Once a person or household can no longer rely on earned income, balancing income and expenses becomes the primary focus of financial planning. And because of increasing longevity, managing cash flow is more critical than ever. We utilise cash flow planning to help forecast sources and uses of cash. Providing a framework that enables the most effective and efficient use of pension and investment income. You might be able to retire earlier that you think!

Am I going to have enough?2021-09-10T08:40:05+00:00

Enough means something different to everyone. Many people focus on asking if they have enough, when the real question is, enough for what? If you want to build up enough wealth to meet your life goals, the first step is knowing clearly what those goals are.  A clear financial plan will help you find the right balance between financial security and living your preferred lifestyle.

Find out how we can help you

*We value your privacy. Read our privacy policy

Get our latest financial blogs and articles straight to you inbox.

In partnership with
AES International

The information in this material is intended for the recipient’s background information and use only. It is provided in good faith and without any warranty or, representation as to accuracy or completeness. Information and opinions presented in this material have been obtained or derived from sources believed by AES to be reliable and AES has reasonable grounds to believe that all factual information herein is true as at the date of issue. It does not constitute investment advice, recommendation, or an offer of any services or products for sale and is not intended to provide a sufficient basis on which to make an investment decision. It is the responsibility of any persons wishing to make a purchase to inform themselves of and observe all applicable laws and regulations. Unauthorised reproduction or transmitting of this material is strictly prohibited. AES accepts no responsibility for loss arising from the use of the information contained herein.

‘AES’ refers to the AES Group’s separate but affiliated entities generally, rather than to one particular entity. These entities are AES Middle East Insurance Broker LLC registered with the UAE Ministry of Economy, United Arab Emirates, Licence no. 571368, and Commercial Registration no. 75162 and regulated by the UAE Central Bank license no. 189; AES Financial Services Limited, incorporated and registered in England and Wales with company number 06063185, authorised and regulated by the UK Financial Conduct Authority FRN: 464494; AES Financial Services (DIFC) Ltd, registered in the Dubai Financial Centre (DIFC) as a foreign company, license no.2128, and regulated by the Dubai Financial Services Authority (DFSA) Reference No F003476; AES International Limited, a private company incorporated and registered in the British Virgin Islands with company number 1839872; AES International Global Limited, a private company incorporated and registered in the British Virgin Islands with company number 1887885. Please visit our authorisations page for further information on regulation, redress and accessibility.

If you are outside the UK and we advise you or carry out other business, nearly all the rules, regulations and arrangements made under the UK regulatory regime (including the rules made by the FCA and the dispute resolution process provided by the UK Financial Ombudsman Service) will not apply to most aspects of the service you receive, such advice or business being provided from outside the UK. You should therefore clearly understand such rights and protection as are afforded in the jurisdiction where you receive advice. Local law, regulation and redress processes will apply in almost all cases, and will be different from that of the UK.

RISKS

Investments involve risks. The investment return and principal value of an investment may fluctuate so that an investment, when redeemed, may be worth more or less than the capital invested. Past performance is not a guarantee of future results. There is no guarantee strategies will be successful. For further information, please click here.

Privacy policy | Cookies | Authorisation and regulation | Sitemap

Web design in Kent by Luno

Go to Top