Investor Relations


Over decades of working with families and individuals to build retirement strategies, we have come to understand that retirement planning can create opportunity and complexity in equal measure.

21 June 2019
2 minutes

We advise our clients to begin planning and organising their wealth as early as possible to ensure their retirement objectives can be met. We typically find that when considered in detail, we can help to identify goals or issues that may not have been considered previously.

It is common for retirement planning to be put off as the options for managing wealth can be overwhelming, for example taxes, risk, investments, etc., and it is natural for more immediate tasks to take precedence.

Crucially, many simply do not know how to work out how much they actually need.

Government figures* indicate what percentage of your income you’d need to enjoy your current standard of living when you retire:

  • 67% if you earn between £22,400 and £32,000
  • 60% if you earn between £32,000 and £51,300
  • 50% if you earn over £51,300

Of course, everyone’s living costs and future objectives are different, and these may be more or less than these figures, depending on your lifestyle. Here are a few questions to get you thinking about your own retirement:

  • How much do I need to sell my business for to be able to achieve my life goals?
  • How much can we afford to pass on to the family and still achieve our own objectives?
  • What rate of investment growth do I need to achieve each year to meet my long-term goals?
  • What level of cover do I need in the short to medium term while the retirement plan is in effect?
  • What level of future expenditure can I realistically support based on my wealth?

The key is to consider wealth as a whole, not simply by how much you have, but rather in terms of what it can do for you. We help our clients to understand the positive effects of financial planning.


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