Planning
for retirement
We work with you to create a unique plan that delivers financial freedom.
Planning for retirement
Prepare for a joyful retirement
As you edge closer to retirement and draw upon your pensions, you will have different and very specific needs. You need to be both emotionally and financially ready for retirement before you take the leap.
We support you with a financial plan, so you have enough to live the life you want to live and the encouragement to enjoy a fulfilling lifestyle.
In retirement you need enough purpose to wake up in the morning and enough money to sleep at night
Mitch Anthony
How we help
You might be asking yourself…
I can’t stop thinking about life after work; however, I am worried about the change both financially and emotionally.
When most of your day is spent at work or thinking about it, you begin to wonder what effect retiring will have on you. Will you have too much time on your hands? Will you be financially stable? Even if you have a clear vision, this process can seem daunting, but you must start somewhere. Your plan will enable you to work through these questions.
In the event of my death, will my family have sufficient income and capital to maintain the lifestyle that they are accustomed to?
It is important to be one step ahead of life, as you never know what is around the corner. Your family comes first, and you want to do what’s best for them. No one can relieve you of the responsibility for your family’s financial success, but a plan, supported by your own planning team, can take away much of the anxiety and worry involved.
Can I afford to gift income or lumps of capital to my children now? Will it affect my lifestyle?
Deciding to retire isn’t something that comes lightly, as you wonder about how you can provide for future generations while thinking about your current lifestyle. You’re wondering whether there are legitimate ways to reduce Inheritance Tax liabilities and unsure when to gift money to your children. Your plan will consider the most effective way to manage your affairs with respect to these matters.
How we help
Delivering a financial plan
We’ll identify what you want to achieve in retirement and the associated costs and link these to your resources to create a financial cashflow model. We maximise investment opportunities, minimise income and Inheritance Tax, and ensure that in the event of your death, your family can carry on as normal.
To add to our expertise and knowledge, our Managing Director, Nick Platt, has produced his own book, Retireability. It is the ultimate ‘how to retire successfully’ guide and he sincerely believes that it will educate, inspire thought and provoke action that will help you to seamlessly transition into a retirement of your choosing.
In our recent survey of financial planning clients, we received the following feedback…
89
%
of respondents were very satisfied with the service and advice they received
95
%
believe that working with us has helped them achieve their financial goals
94
%
were happy with the communication we made between meetings.
*of the 65 who responded to the survey of 205 financial planning client families.
How it works
Our Financialsense® programme
We achieve your goals through our financial planning programme, Financialsense®. Through the creation of a dynamic financial plan combined with ongoing planning, we deliver multigenerational financial freedom. This ensures your estate planning is in order and you can transfer wealth to younger generations to mitigate Inheritance Tax.
Client stories
Let our clients do the talking
One of our friends had recommended Henwood and we were immediately impressed.
We can rest assured that the decisions we are making are good ones and that our family and children are going to be looked after.
If I was to have planned what I would want from a service, Nick and his team have ticked every box.
We always get the impression that the whole team at Henwood have our best interests at heart and are focused on what we want to do, rather than pushing products and services.
We’re heading in a much better direction than we’d ever get to with another financial adviser. It’s not too strong to say it has changed our lives.
A business owner should engage with a financial planner at the earliest opportunity so they build up a relationship and have a support network behind them.
Some of the questions Nick was asking us were much broader than just looking at finances, he was looking at lifestyle choices.
We didn’t get here by accident. We had help from Henwood. We feel incredibly lucky and fortunate to have this time.
I’ve been impressed by the way Nick has chosen to work with a select number of higher value clients, which means the business can deliver a highly personal service.
Henwood really has helped us to live the life we want. All the staff know us and give us a warm welcome whenever we go there and I trust the whole team for their knowledge.
All the people we deal with make you feel like you’re the only person they deal with. They’re very individual in the way they handle your issues.
I felt an instantaneous connection with Henwood and the way they operate their business. They have a totally customer-centric and relationship-based approach.
