Investment & Retirement Planning Client
Rob first got in touch following a long career with an international pharmacy group. His financial affairs were becoming increasingly complicated as he entered his fifties. Having started a new job, he had an equity lump sum he wanted to invest. Rob also wanted clarity of his overall financial position having accrued various pensions and investments over the years. He and his wife Helen love Cornwall and he wanted to map out a path to achieving their desired retirement lifestyle including being able to spend more time there in the future. Shaun Brennan has been their financial adviser for the past 5 years.
“I was finding that my financial affairs were becoming increasingly complicated. I had various pensions and investments around the place and I had also qualified for an equity lump sum which I wanted to invest. I realised that I needed to do something more formally and get professional advice, because this was the one thing I had to get right.”
“Shaun has taken the time to get to know us as a couple and as a family. He understands our lifestyle and is giving us advice that helps us to achieve it. Helen and I both love Cornwall and he is helping us get to a position where we can spend more time down there in the future.
The session that we had in your offices with Jessica and Shaun going through the options around my final salary pension was also very well done. It’s such a big decision but the risks and whether or not it makes sense for us to move were made very clear. Both Helen and I understood it all. A couple of things made us stop in our tracks that we weren’t aware of, like the ability to pass on the pension death benefits to our children.”
“For me it’s the simplification of my financial matters. When you get to your fifties you’ve got various pensions and investments around the place, now I’ve got the benefit of seeing it all together in one place and making sense of it all. And we have got the comfort of knowing that we have made the right decisions financially. Everyone has a little inertia about paying fees and you ask yourself have I got to pay for this advice. But this is the one thing that I had to get right. It’s such a comfort blanket and you can rest a bit easier, knowing that you have done the right things and that you don’t need to worry. That’s worth paying for.”
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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