Vita Financial Planning
Vita Financial Planning
retirees

Pensions Savings & Investments

Retirement fund building & maximising income in later years

Retirement is the longest holiday of your life, and with rising life expectancy it is becoming more important to plan it right. If each day became a Saturday, how much money would you need to have saved to provide for you?

Although it's never too late to improve your wealth and your pension plan, early planning and expert independent advice is vital along with continual review and regular monitoring.

 

"When I was young, I thought money was the most important thing in life; now that I am old, I know it is."

- Oscar Wilde

 

Pension planning: individuals, the self-employed and grandchildren

We'll try to help everyone, irrespective of where they are in life's journey and whatever their destination might be. The key to planning and good outcomes is continual reviewing and regular monitoring.

 

Pension planning - before retirement

Legislation and choices are often changed by Westminster and we have acquired substantial experience and practical knowledge in retirement planning over the years.

 

Inflation and low interest rates has been a big issue of recent years, and doesn't look to be disappearing too quickly. Many clients are concerned with how their children and grandchildren will either get onto the property ladder or be able to retire, we help with this area too.

We have helped clients to review their pensions from previous employment, to understand what their fund actually represents and to link it into their over-riding financial goal. It is human nature to forget about previous pensions by focusing on the current plan and situation. We guide you through the process and the risks being taken by old forgotten pension funds.

We can help you with:

 

 

As clients approach retirement, we support them in making critical decisions:

 

 

We also work with young clients beginning their first steps to developing and building a retirement fund. Using plain language, we help them understand the advantages and drawbacks of certain options, and work with them, over the years, to make sure their fund building stays on course.

In recent years, we have helped parents and grandparents to set up simple easy pension plans for new born children, as well as Junior ISAs.

 

Pension planning - at retiring and after retiring phases

Your retirement planning is not only about pensions. There can potentially be a variety of financially beneficial options you have available when retiring. We'll guide, discuss and explain your options clearly so you can understand your entitlements and benefits.

We help you with questions such as:

 

 

The value of your funds and the income available from these funds can go down as well as up and you may get back less than you invested.

 

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Vita Financial Planning Limited is an appointed representative of Lighthouse Advisory Services Limited, which is authorised and regulated by the Financial Conduct Authority.

 

The Financial Ombudsman Service was set up by Parliament to sort out individual complaints that consumers and financial businesses aren't able to resolve themselves. Details of how the Financial Ombudsman Service can help can be found on their website at www.financial-ombudsman.org.uk/consumer/complaints.htm or you can ring the consumer help line on 0800 023 4567 or 0300 123 9123.

 

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