Planning for Retirement with SN Financial Services

Meet Stuart Neale and Jack Jones, our pensions specialists.

Planning for retirement can cause quite the headache and it is becoming more and more likely that people these days cannot rely on the State Pension for anything above the absolute basics. Whether you have just enrolled in your first workplace pension at the start of your career or you are towards the end of your career where you want to start exploring your retirement, the team at SN Financial Services can help you along every step of your journey, whichever stage you are at.

If you are at the start of your career or looking to bolster your retirement savings, as independent financial advisers, SN Financial Services can advise how to go about maximising your pensions. We can help with this by ensuring:

• you understand and manage investment risk • we advise a suitable range of diverse investments • you understand tax relief and how to be tax-efficient with your pensions • we help establish your goals and give advice on how to best achieve said goals. help review and potentially consolidate your pensions. More importantly, we can establish whether you’re on track to achieve your goals and acquire sufficient income in retirement.

Then we come to those who are reaching retirement (what we like to refer to as the ‘30-year holiday!’). It’s vital you have a robust strategy on how you’ll fund your required income. It is at this point where we would dissect your pension, ensure that it’s suitably diversified and then – what our clients find most beneficial – get rid of the jargon!

It is often the case that people invest in a pension and save for retirement over 40 years with very little thought to how they will begin taking an income. Options include ‘flexi-access income drawdown’, annuities, or perhaps using rental income to supplement State Pensions. No matter what the scenario, the specialist advisers at SN Financial Services can help model and forecast your income and compare against your expenditure. This can help identify any ‘gaps’ in your retirement planning and enable you to understand where you’re positioned in achieving your goals, ensuring that you have the retirement you want and need – and deserve!

In addition to helping at all these specific points in time, we provide ongoing, regular reviews of your investments, suggesting refinements along the way to ensure that you remain on track to achieve your most important investment goals.

Call us on 01905 779697 to arrange your first initial consultation FREE OF CHARGE! Meetings can be in our office in Droitwich or via a video call such as Zoom. n

SN Financial Services Ltd, 5 Saltway, Droitwich, Worcestershire WR9 8LB Website – www.snfinancial.co.uk Email – enquiries@snfinancial.co.uk

SN Financial are directly authorised with FCA No. 231014 The value of your investments can go down as well as up. Past performance is no guarantee of future performance.