David was hoping to retire within the next two years when he got in touch. He was looking for professional advice to ensure he was on track to meet this goal and that his finances were sufficient to fund his lifestyle in retirement.
I had many existing financial arrangements which needed reviewing. I was concerned about fees, performance and most importantly affordability and sustainability.
I had done many of my own calculations but was unsure how my different assets and saving pots would feed into my retirement income, and how best I should access these.
I had two old pensions from previous employment. A defined benefit scheme from my current employer, several rental properties, and an investment account with some shares and cash savings
“I reached out to Jessica to try to get a better understanding of how it should all fit together and how best to draw down from my assets.
Jessica reviewed all my pensions. We decided it was best to keep the final salary arrangement, as I was keen on having guaranteed income. I am in good health, and I do not have children to pass my wealth down to. We considered a transfer, but it did not make sense for my set of circumstances. Jessica also reviewed my other defined contribution pensions to ensure they were invested appropriately before I entered the retirement phase. I wanted to de-risk some of my portfolios which were invested quite aggressively.
One of the most helpful planning stages was the cashflow planning, which provided a framework for the plan. It helped determine the return I needed on my investments and showed me the most efficient use of my pension and investment income over time. The best part was it showed that I was on track to meet my retirement goal and desired income.
I now have complete peace of mind and am extremely confident as I near my retirement. It has provided me with a great deal of clarity. It is also reassuring to know that Jessica is there to help facilitate income drawdown and review my situation as and when need be.
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