We tend to see two types of people in retirement.
The first of those is a DIY investor.
The DIY investor has always looked after their own money, but they are getting to that point in life where they don’t necessarily want to do that so much.
More importantly, they are asking those questions that they can’t answer themselves.
Have I got enough money to do the things I want to do when I’ve still got my health? Be that an around-the-world trip, a big holiday with the family, or gifting to the children.
We can answer those questions through our comprehensive financial planning, to give you the peace of mind that you don’t currently have.
The other type of person that will come to see us has an existing adviser relationship. But that adviser primarily talks to them about investments and doesn’t really answer those questions they may have such as, is my retirement pot going to run out?
Do I have enough money to do all of the things I want to do? That might be going on a cruise, spending more time on holiday with the children, it might just be more time spent on hobbies; you might have always wanted to learn to fly, and you want to do that before you get too old.
We can answer those questions, such as can I afford to do this without running out of money when you’re in your eighties or nineties?
That’s a service we can offer; one that your existing adviser might not.