Retirement Planning

There was a time when people approaching their retirement years would speak with a pensions advisor about their options, but why speak with a single individual when you can engage with a whole team of specialists who can bring a much-needed holistic approach to your very specific needs? Here at DJC Wealth Management, we work hand in hand with clients to assess the big picture, giving us an opportunity to offer bespoke strategies specially designed for that individual’s personal requirements.

A full assessment will include a number of questions, including:

• What is the value of your current assets?
• What pensions do you already have in place?
• What do you hope to be doing in your retirement years?
• Do you plan to make ethical investments with some of your money?
• Are there tax allowances that can work in your favour?
• How much of a risk would you like to take when investing?
• Are there ways to boost your pension pots before you actually retire?

…and many more.

Making your money work hard for you is often the key to a successful retirement plan, so DJC Wealth Management will investigate every possibility before suggesting a range of options that will help you maximise what you already have. It’s worth noting as well that the earlier you contact us, the sooner you can have those strategies in place.

It may be, for example, that you can enjoy a long, happy and enjoyable retirement without having to touch your main pension pot. Many who have been in such a position have chosen to pass on one of their pensions to their children, thereby avoiding inheritance tax. Others have come to us with a number of different pension pots, and it has proved cheaper for them to combine them all into one pension instead. Your pension is unique to you, of course, so certain pathways that work for others might not work for you. Our all-encompassing approach will therefore help to highlight the opportunities that best match your situation.

In recent times, we have seen a significant increase in the number of people who choose to invest ethically, and DJC Wealth Management can help you do the same if you wish. There are a great many viable investment vehicles available which may match your personal moral standpoint, such as renewable energy, responsible governance, clean water, improved community relations, replenishing forests and reducing carbon emissions. If this is something you wish to pursue, we’d be delighted to help.

Another issue that needs to be assessed is whether you’re currently paying enough into a pension to enable you to get the most from your retirement years. Some people want to travel the world when they finally stop working, others want to start up a little business to keep them busy and some want to treat their loved ones to a special holiday – whatever your plans might be, our team can assess whether you’re on course to fulfil them. At this early stage, a full pension review can reveal a wealth of useful information.

Whether you need a little guidance on just one or two issues or you’d like an in-depth holistic assessment of your current situation and your future prospects, the team at DJC Wealth Management can help. The retirement you want, the one you’ve worked towards for many years and dreamed about for even longer, will depend entirely on whether you have the right strategies in place. To bring you the peace of mind you need at this crucial stage, all you have to do is arrange a friendly chat with our specialists. Just use the online form on our Contact page or call today on 07449 632 927. We’re looking forward already to helping you plan an extremely successful retirement.