Wealth of Advice, Swale House, Mandale Business Park, Durham, DH1 1TH
0191 384 1008 
    |    
enquiries@wealthofadvice.co.uk
PENSIONS & RETIREMENT

Retirement Made Simple With Proper Financial Planning

We specialise in simplifying the process of retirement, so you can transition smoothly with a clear plan for your future.
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Planning For Retirement

Retirement could be closer than you think! We can help you organise your finances and tidy up your pensions so you're in the best position for retirement.
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At Retirement

We'll help you implement your retirement plan so you can finally start enjoying those hard-earned savings in the most efficient way possible.
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In Retirement

We'll manage your finances with you throughout you retirement, with ongoing reviews with your adviser and regular updates from our team.
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Finding A Retirement Solution That Works For You

Everyone's retirement journey is different, which means no financial plan is exactly the same.
Merge or switch your pensions for the best outcome
Flexible income to suit your needs as they change
Guaranteed income with an annuity
Accessing your tax-free cash
Defined Benefit Pension options
A combination of solutions tailored to your needs
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FAQs

We believe in helping our clients wherever we can so that they get the most out of their retirement.
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How much money do I need to retire comfortably?
Working out how much money you need to retire comfortably depends on several personal factors, such as your desired lifestyle, outgoings, health, life expectancy, current savings and pensions. Have a think about your basic living costs and lifestyle choices. Will these change in retirement, and how much impact will this have on the amount of income you will need?

We can't give you an exact number without looking at your personal financial picture, so we would always suggest talking this through with a financial planner. We provide cashflow modelling which can show you different scenarios in action, such as the impact changing your desired retirement age would have on your long-term plan.
How can I make sure my savings will last?
To make sure your savings last throughout retirement, you should implement a sustainable withdrawal strategy, adjusting as needed for market conditions and personal circumstances.

Diversify your investments to balance growth and risk, and regularly review and adjust your financial plan. Additionally, consider longevity planning and maintaining an emergency fund to cover any unexpected expenses.

Our financial planners offer this advice tailored to your individual circumstances.
Can you help if I have several pensions and investments?
Yes. It’s common to build up several pensions and investments throughout your working life, particularly if you’ve changed employers or providers.

We can help you understand exactly what you have, how your different pensions and investments work together, and whether they remain suitable for your retirement plans.

We’ll look at the bigger picture and help you create a clear, joined-up retirement plan based on what you want your future to look like.
Can you help couples plan for retirement together?
Absolutely. Retirement planning as a couple can involve balancing different pensions, savings, retirement dates and priorities.

We can help you understand your combined financial position and create a plan around your shared goals. This could include exploring when each of you can afford to retire, how much income you might need and how your pensions, investments and other assets can work together throughout retirement.
Can you help me plan for retirement if I own a business?
Yes. For business owners, retirement planning often involves more than pensions alone. Your business may represent a significant part of your wealth, so we can help you consider it alongside your pensions, investments and other assets.

We’ll work with you to understand what you want your retirement to look like and put a financial plan in place to help you get there.
Can you help if I have already retired?
Yes. Retirement planning doesn’t stop on the day you retire. If you’re already retired, we can help you review your finances and create a plan for the years ahead.

This might include looking at how you take an income, how your pensions and investments are managed, your future expenditure and the legacy you would like to leave.

The aim is to give you greater clarity and confidence that your finances remain aligned with the retirement you want.
What happens at the first retirement planning meeting?
Your first meeting is all about getting to know you. We’ll talk about your current financial position, what you want your retirement to look like and any questions or concerns you have about the future.

It’s an opportunity for us to understand what’s important to you and for you to get to know us, too.

From there, we can explain where financial planning could help and what the next steps would look like.

Your initial meeting with us is always free of charge and no obligation, and usually last between 1-2 hours depending on the complexity of your financial picture.
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Get your financial plan on the right track.

If you want a better view of what your future could be, we'll have a chat and work out if we make a good fit for you and your financial picture.

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Wealth of Advice are authorised and regulated by the Financial Conduct Authority, reference number 563909. This website is for information purposes only and is not personal advice.

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We are committed to providing products and service of the very highest standards. If you feel that we haven't lived up to your expectations in any way, however, we would like to know so we can put things right for you. If you have a complaint, make sure you contact us directly. Accordingly, we will do all we can to resolve your complaint by the end of the next business day. However, if we can't do this, we will write to you within five working days to tell you what we have done to resolve the problem, or acknowledge your complaint and let you know when you can expect a full response. Furthermore, if we haven't issued our response within eight weeks from the date you first raised your complaint, or if you're dissatisfied with our response, you can ask the Financial Ombudsman Service - www.financial-ombudsman.org.uk - for an independent review. The Financial Ombudsman Service will only consider your complaint once you've tried to resolve it with us, so please take up your concerns with us first and we'll do all we can to help.

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