At this stage you will probably start focusing upon your ever nearing retirement, as you become better placed to understand your goals and plan accordingly. Your earnings may well be at their peak, enabling you to consider lump sum payments into pension plans, ISAs, mutual funds, investment bonds and possibly other tax-efficient vehicles, depending upon your risk profile.

Many clients still have to juggle their retirement funding strategy with paying for private education costs, university fees or helping their children with house deposits. In addition, remortgage advice is often needed as you may be relocated or need a larger home. 

With knowledge, experience and expert guidance you may choose to adopt a fairly aggressive investment strategy, especially if retirement is still some way off and you have sufficient time to ride out any market fluctuations. Alternatively, your risk profile may mean a more cautious approach is appropriate. Whatever your attitude to risk we will help you maximise your resources and make fully informed investment decisions.

It is critical that your plans, funds and risk profile are assessed on a regular basis to ensure they meet your goals and objectives. Indeed, regular reviews should be an important aspect of your Ongoing Servicing Programme.

Your adviser should always understand your goals and priorities; quantify any shortfalls and advise you accordingly. These factors are valid at whatever stage of life you are at, but arguably this is the ‘season’ when they come to the fore.

“Simon has been advising me and my family since 1999. Over this period our circumstances have changed several times and Simon’s advice has been invaluable in helping not only my wife and I, but also my children, father, brother, and nephews and niece with a range of financial planning aspects including mortgages, pensions, care home fees planning, insurances, trust funds, higher education planning, and inheritance tax avoidance . . . ”

Christopher Ing-Simmons (January 2010)

“Simon has always given us sensible and considered advice, and always taken account of our somewhat conservative attitude to investing. Our investments and Simon’s advice have helped us to educate our children, convert a barn and plan for our retirement . . .”
Rosi Keatinge (January 2010)