Pre-Retirement Planning

As the golden hues of retirement come into view, the pre-retirement phase is an essential part in anyone's financial journey. It's a period for reflection, recalibration, and preparation. Making sure the financial plans you've laid down over the years align perfectly with your envisioned retirement is essential.

This isn't just about daydreaming of peaceful sunsets and relaxing days; it's about making the key decisions now that will turn those dreams into your reality.

Common Challenges at This Stage

  • Retirement Planning and Maximising Pension Contributions: The comfort of your retirement is often directly proportional to the robustness of your pension. But how do you determine the right contribution? How do you ensure that you're not just meeting the minimum but optimising for a comfortable retirement?

  • Portfolio Management and Investment Decisions: Your investment strategy will likely need to change as retirement approaches. How can you adapt your investment portfolio to match a shorter time horizon and possibly a more cautious approach to risk?

  • Estate Planning: Retirement planning doesn't stop at pensions and investments; you also need to think about the legacy you'll leave behind. How can you manage your estate to reflect your wishes and provide for your loved ones?

  • Financial Planning: As you move closer to retirement, getting all your financial ducks in a row becomes increasingly crucial. This includes not just investment planning, but also ensuring the financial well-being and legacy of your family.

How Our Financial Advisers Can Assist

  • Retirement Readiness Assessment: We conduct a thorough evaluation to determine how prepared you are for retirement, identifying any gaps in your planning.

  • Financial Planning and Portfolio Management: Our skilled team creates an adjusted investment portfolio that reflects your upcoming retirement, focusing especially on protecting your assets.

  • Wills and Estate Planning: We help you draft a comprehensive estate plan to ensure that your assets are allocated according to your wishes.

  • Lasting Power of Attorney: We appreciate the importance of having a Lasting Power of Attorney (LPA) for both health and welfare, and property and financial matters. We can refer you to professionals who specialise in setting up LPAs, ensuring your future is secure.

Continuum Wealth - Looking Foward to a Retirement on Your Own Terms?

Navigating the intricacies of pre-retirement can be intricate, but with the expert guidance of our financial advisers, the process becomes much more manageable. At Continuum Wealth, we specialise in comprehensive financial planning and wealth management, ensuring you're well-prepared for the retirement you've always imagined. Allow us to navigate the intricacies of this crucial stage, tailoring strategies that align with your financial goals and aspirations. Our team is dedicated to providing you with the right advice and support to make informed decisions, fostering confidence as you approach retirement.

Contact us to book a consultation.


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Note: This page is for information purposes only and should not be considered as financial advice. Always consult an Independent Financial Adviser for personalised financial advice tailored to your individual circumstances.