We will work with you to consider and plan for the two main stages of retirement planning.
The first stage is accumulating a suitably sized pot of money. We discuss your existing pension provision, analysing performance and on going suitability. We find out if you have access to an employer funded pension scheme and the costs and benefits of joining, whilst also confirming when you wish to retire and the level of income that you feel you may need.
Finally, we will agree how much you can afford to save towards achieving your objective and the amount of investment risk that you would be comfortable in taking, to achieve your retirement goals.
The next stage is utilising your pension pot when you retire in the most effective manner to meet your income requirements. We agree how best to use any assets that you have to meet your income needs, providing for a spouse or dependents, how to minimise tax, the effects of inflation and the level of flexibility that you require.
Once a retirement planning strategy is in place, we encourage regular reviews with you, during which we will discuss any changes to your own circumstances or objectives, discuss the returns and any changes to legislation, before advising you as to whether any changes to your investment should be made.
Walford & Phelps are professional and friendly, and they listen to our requirements regarding our investments. We feel that they always put our interests to the fore.Mary & HywelSouth Glamorgan
Walford & Phelps have provided us with informed and significant advice for over 12 years. They are reassuring, efficient and understanding. This has enabled us to make important decisions with confidence.Mike & JackieKent
Walford & Phelps have always provided proactive and prudent advice. I have total trust in their capabilities. The team at Walford & Phelps continue to deliver exemplary service in looking after my future.SimonHertfordshire
Walford & Phelps have been dealing with our financial investments for the past twenty years and we have found them to be fair, honest, and always available if we wish to discuss any aspect of our affairs.Keith & MargaretSomerset
Walford & Phelps provide relevant, insightful and friendly advice for our company, our employees and our owner directors. They are proactive and keep in touch regularly to ensure our risks are covered and financial plans are on target.DavidManaging Director, London