Platinum Financial About Us

Retirement Planning

Some people want to travel the world or take up a new hobby when they retire. Others see it as a perfect opportunity to volunteer with a local charity or start their own business. Whatever you are planning for the future, we can help you make the most of your pension and other investments, to achieve the retirement you want and deserve.

Things to consider: When do you want to retire? When can you afford to retire? How much money do you need when you retire?

Our work together usually begins with a discussion about what you want your retirement to look like. Then we can calculate how much money you will need to achieve your goals. Using this, we can analyse your savings and outgoings to find out how long your money will last and whether you’re on track – or what you need to do to get there. Your adviser will then discuss the range of financial solutions available to you and investigate the most tax efficient solutions to ensure that there is a long-term income stream available to help you enjoy your retirement. Saving for retirement is one of the most significant financial challenges faced by most people. Our financial advisers can help you navigate the pension maze, providing advice in a number of key areas: Using your annual allowance, and navigating the complex tapered annual allowance for higher earners

Making extra pension contributions using pension carry forward Assessing your pension against the lifetime allowance tax charge Using other savings and investments, such as ISAs Ensuring your savings are held in high-quality investments

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