PENSIONS & RETIREMENT PLANNING

Lets make a plan to give you the life you'll love

Retirement might seem overwhelming. But we’ll guide you through your options, show how much you need to save and build a plan that helps you realise your ambitions.

WHY PENSIONS?

Navigating your life's path comes with numerous financial hurdles, and perhaps the biggest is setting aside funds for your later years.

Planning for retirement and selecting suitable pension options early on can guarantee a steady flow of income during your golden years. Working with an Independent Financial Adviser allows you to plan effectively and stay on course for the retirement lifestyle you’ve always wanted.

OUR APPROACH

Working together to make sure that you are fully ready for the retirement you want.

Many of our new clients approach us seeking guidance on retirement and pensions since it’s an area we excel in. To start, we’ll gather a comprehensive understanding of your pension funds, assess their growth, and offer suggestions, which often involve consolidating all your pensions into one, as it has numerous advantages. We can’t stress enough the importance of having all the information, as it enables us to devise the ideal retirement plan for you. After all, retirement should be a time for relaxation and fully immersing yourself in the joys of life.

Good to know

We will help you answer all your pension and retirement questions, but below are a few we get asked regularly...

How much Money will I need?

That’s a simple question with a complex answer. The long and the short of it is that you need enough to make sure you are comfortable in later life, which largely depends on your lifestyle, goals, and what you might expect in the way of future liabilities. We can help you map out everything you would expect to encounter along the way, helping you toward financial independence on the road ahead.

Do I have to pay for a consultation?

Your initial consultation is at our cost. We want to understand the journey you’re on, your financial objectives and build an appropriate strategy to help you achieve them.

Once a plan is made, costs will depend on the level of ongoing service and support you need from our team. Our services are fully regulated, and we have a duty of care that ensures our charges are open and fair, so you will always know what you are being charged and what it is for.

 

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Can I change my plans?

Nothing is fixed, and you’re likely to experience many changes in your circumstances as you move forward. Tax rules, allowances, health, personal circumstances – these can all change slowly or rapidly, so it’s best to have a team on your side that can regularly review your goals and will stay abreast of developments and changes that may affect your future plans.

CONTACT US

Guiding your financial journey

We offer a range of services to set your financial wellness on the right path, but the first step of the journey is getting to know you. 

OUR SERVICES

Protection

OUR SERVICES

Investment

3 Welland Court, Brockeridge Park, Twyning, Tewkesbury, GL20 6FD

Ruby Financial is a trading name of Advice 4U Financial Planning Ltd who is authorised and regulated by the Financial Conduct Authority (FCA) and our FCA Registration Number is 671527. Company number 13597103

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