Life Stages
Kellands Professionals are specialists in building and managing retirement plans, and will show you how to make the most of your assets throughout your retirement.
A career’s savings, ultimately needs to sustain you in retirement. Whether you are taking steps towards retirement, or you are already there, the importance of getting your income and investment strategy right cannot be overstated. Building an efficient income across your various accounts, with a properly managed investment strategy is an art.
An hour’s meeting is hugely informative to sense check your current set up, and to gauge whether further value could be added by a specialist. Click here to get in touch.
In the years leading up to retirement, we encourage our clients to build towards a plan that will deliver a great lifestyle, with major foreseeable expenditure accounted for. For those new to us, this is not always the picture. It is common for us to engage with professionals who have reached a point where they would like to lean back from current work commitments, or retire fully, but do not know how best to use their assets.
Perhaps the combination of a busy schedule, possibly a change at work or family circumstance, or not being in a suitable financial planning service. Kelland’s Professionals specialise in working with clients who need a plan to transition into retirement, or indeed those who have already retired and need help.
We take time to understand your objectives, and apply these to your financial position, before building and implementing a plan to take you into and through your retirement. The result is confidence in, and control of your financial future.
Below are areas we help our professional clients to work through when building their plan.
1. We have managed the retirement strategies of our clients for many years, during both the good and bad times. Our clients trust and value their relationship with Kelland’s, and the services we provide.
2. There are many variables at this stage of life, all of which need to be considered for a rounded plan. Clearly you require an income which provides you with a great lifestyle, but also one which proves sustainable throughout your retirement. You may also have other plans, such as helping your family, as the children transition into their adult lives.
3. Meeting these various needs requires an interaction between your different tax accounts (such as pensions, ISAs and General Investment Accounts). Maintaining tax efficiency by aligning to your various tax allowances is an art, and of huge importance in retirement. It prevents waste and preserves your capital for your family’s future enjoyment. Good planning is transformational.
4. Investment management and investment risk take on enhanced focus in retirement. A bad investment experience during the early years of retirement can have a damaging and lasting effect. Our clients portfolios align to their retirement income strategy, with the aim of withstanding recessions and market shocks.
5. Kelland’s clients can expect a trusted relationship with their adviser, based on a foundation of quality advice and an understanding of your requirements. Advice is delivered through a tailored financial plan, incorporating your full financial picture. The plan is a living document, containing digestible information, whilst being comprehensive and reassuring in its depth.
6. Finally, your strategy needs to be implemented and maintained. Often dealing with multiple providers and institutions, this is no small feat. Of course, your objectives will change too over time, perhaps philanthropy will become a passion, or transitioning wealth to the family. Add an ever changing investment and legislative landscape, and the case for professional management is clear.
Kellands Professionals are specialists in guiding clients into and through retirement, acting as a trusted partner to enable you to make the most of your hard earned success. It is an enjoyable and rewarding phase for our team too, turning your retirement plans into an enduring lifetime strategy.
Get in touch to discuss your plans.
