In Retirement

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Earlier retirement and greater life expectancy present a financial planning challenge - how do you make your resources last for many years yet maintain your standard of living?

Many people aspire to retiring before the state pension age - facing a potential funding gap of up to 10 years. The earlier we retire the smaller our pensions are likely to be. Reduced pensions mean a greater reliance on other sources of income such as capital from investment portfolios and the use of property.

We can use a process called 'Lifetime Cashflow Modelling' to answer questions such as "how long will my capital last?" and "what does my financial future look like?"

This is a time for considering the next generation, perhaps making gifts to cascade wealth and reduce estate value. It is also important to be aware of the potential costs of long term care and ensure personal financial security.