My goal; securing my retirement.
We can provide you with a personalised retirement plan.
We understand when you retire you want to feel confident you have the means to live well and enjoy yourself.
However, with governments and employers putting the onus of retirement planning on the individual and improved life-expectancy requiring a larger retirement pot, we appreciate financially preparing for retirement can feel overwhelming.
We can help.
We listen to understand your retirement aspirations, financial obligations, savings, investments and assets.
After careful assessment, we forecast your income and anticipated expenses for the duration of your retirement.
We create a personalised retirement roadmap that sets out manageable savings and investment goals.
We support you on your road to retirement, helping grow your wealth or by managing pre-existing wealth, engaging your assets so they are working to support you.
In partnership with you, we monitor your savings and investments, adjusting our strategies accordingly to keep you on track.
As a wholly independent and privately owned company, we are not tethered or restricted to offering niche financial solutions. We are free to explore the market in its entirety to seek the very best opportunities for you.
If you are an expat or have worked abroad, you may have pre-existing pensions or hold assets internationally. We can consolidate existing pensions and help manage international assets, while navigating and mitigating likely tax and legal complications.
If you have multiple pensions with several previous employers, hold existing investments and assets or have specific investment strategies, we have a range of specialist solutions available.
We build in ‘rainy-day’ contingencies, offering you a financial plan that lasts until your 100th birthday. We can also offer guidance on health insurance and legacy planning, preserving your wealth so you can pass it on to your loved ones.
The key to ensuring you have adequate means to last the duration of your retirement is to accurately calculate the total cost for your retirement and then review your income and assets to ensure the two align. This may sound straightforward, but we know it can prove challenging. We are experienced in calculating personalised and accurate estimates for retirement. We do this by carefully reviewing lifestyle, retirement aspirations, expenses and life expectancy. With a target figure in place, we will then develop a bespoke financial plan, restructuring your wealth so it’s working better to support you, while also establishing manageable savings and investment milestones.
The earlier you start planning for retirement the better as it will make your saving and investment goals more manageable and achievable. Starting early will also see you benefit from compound interest; this is the interest you earn on interest. Furthermore, investing a small amount consistently over a long period, will protect you from market fluctuations and should ultimately see your wealth grow.
There are a range of flexible saving and investment options that allow you to increase, decrease and even pause your contributions. However, it’s always advisable to save whatever you can, as consistent saving over a long period should ultimately see your wealth grow. We can help find the right savings and investment solution for you.
When it comes to protecting and securing your retirement, comprehensive life and health insurance are a must, providing robust financial protection and ultimately safeguarding your retirement fund.
As an expat, your employer may not offer pension contributions as an employee benefit. Living abroad may also mean you no longer make automatic contributions into your domestic national insurance. As such, the onus for saving and planning for retirement falls to the individual.
Retirement and estate planning go hand-in-hand. A comprehensive estate plan will see you nominate a power of attorney, this person will then affectively safeguard your retirement by becoming responsible for your financial wellbeing should you become incapacitated. An estate plan will also protect your savings and assets, mitigating tax liabilities so you can pass on your wealth to your loved ones. We offer guidance on both retirement and estate planning.
View our estate planning playlist here.
Retiring in Asia can be an attractive proposition given the weather and the lower cost of living compared with Europe, Australia or the U.S. However, if you want to retire in Asia, you need a relevant visa to remain in your country of choice. Many Asian countries offer specific visas aimed at retirees. While qualifying criteria and the cost for these visas differ from country to country, most will require some proof of regular income. In addition to having a visa, international health insurance is also a must, ensuring you are able to access quality healthcare.
Learn more here.
Pension planning for expats is crucial due to the unique challenges they face, including navigating multiple tax jurisdictions, dealing with currency fluctuations, and managing international mobility. It ensures financial stability in retirement by accommodating diverse regulations and providing flexibility to adapt to life changes. Effective planning allows expats to mitigate tax liabilities, secure financial independence in retirement, and enjoy a smooth transition of assets across borders. Given the complexity of expat financial landscapes, seeking specialised advice can help in developing a cohesive and efficient retirement strategy.
Broadly speaking yes, you can transfer your pension. However, it might not always be prudent to do so. If you hold pensions in multiple jurisdictions, it is best to speak to one of our advisors.