Retirement Strategies

Having the confidence to know you’ve set enough money aside to comfortably stop working is the least you deserve.

Without a clear retirement strategy to act as a guide, you could find that you won’t have the money you need to relax into a well-deserved retirement.

At GHLD, we’ll make sure this isn’t the case and that you have the peace of mind you need to know that everything has been taken care of.

A financial safety net

It’s never too early to start thinking about your retirement strategy: in fact, the sooner, the better. Setting out your financial goals while you’re still working will give you a figure to work towards. Our team can sit down with you and discuss your aspirations, providing you with practical advice on how to make this a reality.

Not only will you need to consider saving a bit extra every month, but you will also need to explore your savings, insurance, and investments. We can do this all for you, advising you on the best way to use your pension pot and how to top up any savings you have so that when the time comes, you can ease into your retirement.

Maximising your retirement income

A key part of any retirement strategy is understanding your retirement income sources, including your state pension, personal pension, and other investments. Knowing how to access savings efficiently and the tax implications involved is essential to preserve your wealth and make your money last through later life.

We provide impartial guidance on how to draw income from your pension pot, including options such as taking tax free cash, investing in funds that generate dividends and interest, or purchasing an annuity to secure a guaranteed income. Our financial advisers will help you decide the right balance of assets to maintain growth while managing risk, ensuring your retirement savings keep pace with inflation.

Planning for the future

Retirement planning isn’t just about today; it’s about securing your future. We help you understand how to manage your investments and when to sell investments to fund your lifestyle, while minimising income taxes and capital gains taxes. Using tools like a pension calculator, we can project your income needs and help you decide the best withdrawal strategy to afford the lifestyle you want.

Whether you plan to retire early or continue working part-time, our experts will assist you in navigating the complexities of retirement, so you can enjoy your retirement years with confidence and financial security.