Gary’s story

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Gary’s Story

Retirement Planning Client

Gary first got in touch in early 2021, having retired from Aston Martin in 2019.

Since then he had started drawing on an MG Rover final salary pension and knew that he needed to start taking a greater level of income from his other pension but was not sure whether to stay in his Aston Martin final salary scheme or whether to move it to a personal pension.

He had spoken to colleagues about this and done some of his own research and reached the conclusion that he needed expert advice.

Any advice he needed would also directly impact his wife Linda who was keen to retire but holding on until decisions were made for Gary which would allow their path to became clearer.

Jessica was recommended to them.  Here’s what they had to say about working with Riverfall Financial.

What made you seek advice?

“Pensions are very complicated and I knew that if I wanted to consider a final salary transfer that I would need to take regulated financial advice.  I’d already got one final salary scheme in payment so knew that I wanted to explore all options with this one.

“Jessica has provided advice on various areas to ex-colleagues of mine and came highly recommended. I therefore felt that I could trust her with this important decision which would impact the rest of our lives.”

What’s been the biggest benefit of working with Riverfall?

“Things were explained clearly to us and essentially, what Jessica has put forward for us has given us the best of both worlds.

“We still have a high level of secure income coming in (until my State pension can replace this) and are also left with a pot which can be flexibly accessed for later life and/or those unknowns that life can throw at you.

“We’re also now able to fully own our holiday home and have started making plans for many more visits there and hope to eventually make the move permanent.”

How has Riverfall made a difference to your lives?

“Linda can now start her retirement and we are confident that the solutions which Jessica presented fit our needs. We really can’t imagine that we would have been in this position without using an adviser.

“The whole Riverfall team have been lovely to work with and it’s clear that they take pride in what they do.  I cannot recommend them highly enough!”

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people.

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