I Am Over 50 & About To Retire

I am over 50 & about to retire

"I am Derek, aged 58, and I live with my partner, Janet.

I have got a number of pension schemes from different employers throughout my working life, and I now want to draw on these to provide me with pension in my retirement.

Some of the investment performance on these has been poor and I am not sure if they are all in the best place.

I was thinking of buying an annuity, but I want Janet to have a comfortable income when I’m gone. I know that there are other options other than buying an annuity and I would like to understand these fully.

I know that there is an option to withdraw all my cash from my pensions, further to the Government’s Pension reforms, but I’m not so sure whether this is a sensible option for me.

I know ASPL can help."

You are likely to have worked hard for all of your life and the big day is fast approaching.

You have considered when and how you will retire, and you are looking forward to your retirement.

You have thought about how you will spend your time in future,maybe some consultancy, maybe some travel, and what income you will have to live off.

You may have already received advice regarding your Pension(s), and are about to draw on them, but you are aware of the radical pensions reforms announced in 2014.

You may still have questions about how retirement will work for you in practice, and would like to know for sure.

You may have queries about:

  • Your new tax position?
  • Will I have enough income?
  • Are my investments doing the best they can?
  • What if my Bank goes bust?
  • What if my Pension provider goes bust?
  • What impact will the Economy have on me?
  • What about Inflation?
  • What about Interest Rates?
  • Do I need to change my Will?
  • Do I need Powers of Attorney?
  • Should I be concerned about Inheritance Tax?
  • Can I afford to make Gifts to my family, or to help them out financially?

You need someone who is trustworthy, knowledgeable, accessible and suitably qualified to advise you. You also want to avoid as much paperwork as possible, and so your advisers need to have embraced technology within their business.

You would like to be advised by a firm that has many years’ experience of advising “Retired” Clients for the rest of their life.

You would want a clear explanation of the pros and cons of pursuing a certain course of action, and the cost of doing so.

We believe we can help you. Click on the links below to find out more or use the buttons to get in touch.Thank you.

Our services

ASPL Wealth Management Service
Constructing, managing and reviewing your investments.

Estate Planning
Planning now can help ensure that your beneficiaries receive more of your wealth whilst making at least adequate provision for you and your spouse in future years.

Referral Service
We can introduce you to Accountants, Solicitors, Stockbrokers etc.

Protecting your Family / Business
Providing for your family or business in the event of death or illness.

Personal Tax Planning
Ensuring that your Assets are owned and arranged tax-efficiently.

SIPP/Premises Purchase Service
For Clients who wish to consider using their pension(s) to purchase a business premises.

Corporate Financial Investment
Investment and pension schemes for your Company


Other Complementary Services

Online Valuation Service
Access to your portfolio valuation 24/7.

Valuation Service
Regular, comprehensive, portfolio and insurance valuations prepared.

“Remove the Hassle” Service
We can consolidate your investments and insurances, if appropriate, and reduce your paperwork and administration.

Second Opinion Service
You may have received Professional Advice that you would like a review of.

ASPL Administration Service
Contact our excellent support team with any Administrative queries.

ASPL Direct Service
For those Clients who require less personal attention, but access to all our Services.

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Consistently friendly, helpful, prompt and respectful. Mr & Mrs F - Gloucestershire

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Adrian Smith

Chartered Financial Planner
Chartered Wealth Manager

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