How we help with
Pensions & retirement planning
How it works
Our team of experienced professionals is committed to working closely with you to create a tailored retirement plan that aligns with your financial goals and aspirations. We take the time to understand your individual circumstances, including your desired lifestyle, anticipated expenses, and any specific retirement objectives you may have.
Here’s how we can help you as you approach retirement:
Personalised Financial Planning: Our experts will conduct a thorough assessment of your current financial situation and develop a personalised retirement plan that takes into account factors such as your existing savings, investments, and potential income sources. We’ll work with you to establish clear goals and strategies to ensure a comfortable retirement.
Investment Strategies: As retirement nears, it’s crucial to align your investment portfolio with your changing needs and risk tolerance. We can help you evaluate your investment options, diversify your holdings, and make informed decisions about your assets to maximise potential returns while managing risk.
Pension Optimisation: We’ll assist you in understanding the complexities of your options at retirement, helping you make informed decisions about the most suitable way to structure the income from your pensions and any other assets you hold.
Ongoing Support and Monitoring: Our commitment to your retirement journey doesn’t end with the initial plan. We provide ongoing support, monitoring, and regular reviews to ensure your retirement strategy remains aligned with your evolving needs and goals.
We are here to simplify the complexities of retirement planning and help you to make informed decisions. Contact us today to learn more about how our services can assist you as you approach this important milestone in your life.
Lifetime Cashflow Planning;
A key part of the planning process centres around Lifetime Cashflow Planning which helps us plan and adapt to real life events, before, during and after they happen.
We use interactive Cashflow Forecast software that allows us to help you visualise your financial future, test different scenarios and instantly understand the impact of key decisions on life events along the way.
At Oaktree Wealth Management we produce a bespoke forecast for our clients to help project the values and sustainability of your finances when taking account of your expenditure needs and
assumptions around different factors such as inflation, investment returns and age at death.
If you have investable assets of £100k+, contact us for a free personalised demonstration of our Lifetime Cashflow Planning analysis.
Case Studies
David & Sue
David & Sue are both 55. Sue had recently inherited a sum of money and wanted advice as to how best to use it. They didn’t want to retire yet but wanted to see if it would be advisable to put the money towards retirement in five years-time.
We reviewed their Pensions for them and showed them that they had sufficient allowances to make Pension contributions that would achieve a saving of 40% tax relief.
We also ran through Cashflow Forecast analysis and showed them that by making these contributions they would have enough to retire at age 60. We also showed them how they could withdraw the funds to provide a joint income of over £30,000 per annum from their Pensions completely tax free until their State Pensions kicked in.
John
John is 60 and approached us for advice regarding retirement. He has four Pensions that he has accrued over his working life and wants to know if he has enough money to allow him to retire.
We reviewed his financial position and ran through a Cashflow Forecast that showed him there was sufficient funds in his pensions to sustain the lifestyle he wanted throughout retirement. We also reviewed his pensions and advised him of the most suitable solution to meet his needs.
We then implemented this solution by consolidating his four pensions into a new one that would allow a regular income to be taken so that John could retire. We also set up regular reviews with him to make sure he stayed on track financially through his retirement.
Become our next success story
Send us a message and start your journey to financial freedom today.