Forty & fifty somethings

We specialise in providing independent financial advice to people living in Derbyshire, Nottinghamshire and Leicestershire who are in their 40s and 50s.

During this period of your life thoughts will probably be turning towards retirement. Although, the good news is that you still have enough time to make a real difference to how financially secure your later years will be.

What can we help you with?

The people we work with in their 40s and 50s often have several things in common:

• Your children may be less financially dependent
• You are probably towards the peak of your earning potential
• You probably have already accrued some assets and taken some steps to planning for your retirement
• Your mortgage may be close to being repaid

All of the above, means you potentially have more disposable income, allowing you to start to take retirement planning more seriously and creating a more financially secure retirement.

There are of course specific problems, issues and challenges which we can help people in their 40s and 50s solve. These include helping you to:

• Understand exactly what you want from retirement and when it might be realistic to finish working
• Identify how much income you need in retirement to achieve your objectives
• Understanding how much you will get from the State Pension, and when
• Create a plan to build enough capital to create the income you need
• Ensuring that you take advantage of tax-efficient options to help you plan for retirement
• Review your existing pensions, savings and investments to ensure they are held in the correct places
• Ensure that any financial assistance you want to offer your children won’t affect your long-term plans for retirement
• Minimise any tax you will pay on future inheritances
• Ensure debts are repaid before retirement
• Reviewing your protection arrangements to ensure that if you fall ill, or die, before you retire the financial future of you and your family is secure

We’d love to hear from you

A secure retirement takes careful financial planning.

That means taking time out of your day, every so often, to focus on your future.

If now is the right time for you to start taking retirement planning seriously, or you have specific financial problems that our advice would help to solve, we’d love to hear from you.

Please call us on 07773 426 498 or complete our enquiry form which you on the right-hand side of this page.

Please note

The Financial Conduct Authority (FCA) does not regulate all types of pension, for example the State Pension. Nor does it regulate inheritance tax advice.

Pensions are not normally accessible until age 55. Your pension income could also be affected by interest rates at the time you take your benefits. The tax implications of pension withdrawal will be based on your individual circumstances; tax legislation; and regulation which are subject to change in the future.