Actively retired

Reaching retirement opens up new financial worries. What should be a time to enjoy, turns into a minefield as you’re having to navigate your finances like never before.

Align your money with your aspirations

Let’s start by telling you that your retirement needn’t be a time to stress about money. You might still have experiences to tick off, or wish to leave a legacy behind but are conscious that your wealth is depleting.

Our number one goal is for you to live a comfortable and fulfilling retirement. And that starts with a plan…

How we’ll help you

Income management strategies

Regardless of what’s happening in the world, we’ll make sure your income is stable by creating a strategy to ensure your money lasts as long as you do.

Protecting your assets

Drawing on our years of experience and trusted network, we’ll deal with your estate planning and IHT issues in a way that best suits you.

Removing the hassle

We simplify everything and speak to you without any jargon. We will take on as much or as little as you want us to.

Managing risk and reward

Our investment approach is straightforward and sound. Most clients don’t need to be taking risks in their retirement years, so we don’t either.

Making your money go further

Smart tax planning makes your money last longer, providing you with more income so you can enjoy the retirement lifestyle you’ve worked for.

Guidance and advice

Pensions are extremely tax effective but unfortunately, they are also complicated. We guide you through the minefield, keeping it simple at the same time.

You should be aware that investments carry varying degrees of risk and as their underlying value can fall as well as rise, you may not get back the full amount invested.

Keeping advice in the family

Sometimes other family members will encounter challenges that you’d like to help them through. These could include things like care home funding, paying for education, help with property purchase, debt reduction or gifting money.

We also provide advice on each of these matters, as part of our retiree advisory service.

Why clients choose us

"He knows, and I don't!"

Murray Rose

Business Owners & Self Employed

Client since 2008

"Lloyd never makes us feel like we're asking silly questions."

Shaun and Jane

Senior Executives & Professionals

Client since 2021

"He puts everything into easy to understand language."

Mike Park

Senior Executives & Professionals

Client since 2014

"Cashflow forecasting has given me control and a sense of security."

Jennifer Morrison

Actively Retired

Client since 2011

"I feel very comfortable that my financial future is secure."

Barbara Goldsmith

Actively Retired

Client since 2015

"He gives us the confidence that we'll thrive in retirement."

Darren Staniforth

Business Owners & Self Employed

Client since 2004