What's on your mind?
Have I got enough in my pension pot to live the life I want to lead?
How much is enough really is dependent on personal wants and needs. Some clients we speak to live comfortably with modest demands, whilst others have specific plans to pursue life goals or 'bucket list'. Planning for retirement needs careful analysis, bespoke to the individual. We have many years' experience helping our clients achieve financial independence, to learn how we can help you, click on the link.
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I'm unsure how best to take money from my pension. What are my options?
A good starting point is to categorise your income between 'secure' and 'unsecure' income streams. Secure income is state pension, defined benefit (or final salary pensions) and annuity income. Unsecured is any income that derives from investments, rental income etc. Next is to identify your living expenses and split that into fixed and discretionary. Click on the link to learn more.
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How can I manage my investments to ensure I never run out of money?
Ask yourself these questions:
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- What am I looking to achieve: capital growth, income or a combination of both?
- Over what time frame do I need the income?
- What level of risk am I prepared to expose my capital to in order to achieve my goals?
Once you have established your goals, we can help identify how much income your capital can realistically be generated on a sustained basis. We will also tell you about our investment philosophy and values, so you can feel reassured investing through us. Click the link to learn more.
Retirement seems like a millions miles away, why should I start saving now?
According to The Retirement Living Standards survey commissioned by the Pensions and Lifetime Savings Association a ‘comfortable’ retirement income ultimately depends on how you want to spend your retirement. Research suggests that a couple in the UK need an annual combined income of £59,000 to have a retirement with few or no money worries, while a single person would need £43,100. This estimate assumes a lifestyle that includes:
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- three weeks’ holiday in Europe (per year)
- food shops costing £70 per person per week
- £1,500 worth of clothes per person annually
These assumptions aren’t extravagant, but they aren’t penny-pinching either. So if you see yourself living more modestly – e.g. shorter UK-based holidays, cheaper food shops and fewer new clothes, you could get by on much less. Research suggests that an annual income of £14,400 for a single person or £22,400 for a couple is enough for a frugal retirement – but any less might mean making some big sacrifices.
Pensions are complicated and confusing - how much have I got and when can I take it?
You've come to the right place with this question. We're pension experts, we know everything about them, all the bells and whistles, and we're here to guide you.
I want to pass on my assets in the most tax efficient way on my death, what's the best way of doing this?
A pension policy is ideal for legacy planning. Money held within a pension plan can be passed on to your beneficiaries free from Inheritance Tax and this can be extremely useful when the value of your estate is likely to exceed the nil rate band and property rate band. To learn more, click the link. .
Why Us?
Why Us?
A progressive, forward-thinking Financial Planning business situated in the North-West of England, we have a compelling proposition if you're looking for advice on family protection, pensions, investments and tax mitigation.
We provide specialist pension advice on all forms of pensions - occupational and personal, helping our clients manage their income in retirement. We base our investment proposition on well-founded and award-winning investment research, see our wealth management services for details of our investment philosophy.
If you've been living abroad, then there's a good possibility your investments will need re-structuring to make them tax-efficient in the UK. To be able to rely on an advisory firm that is fully conversant with UK tax legislation and also has extensive knowledge of those investments sourced overseas is an obvious advantage when looking for an independent financial planning practice. We have experience of working abroad and can aid your transformation back into UK financial advice.
A progressive, forward-thinking Financial Planning business situated in the North-West of England, we have a compelling proposition if you're looking for advice on family protection, pensions, investments and tax mitigation.
We provide specialist pension advice on all forms of pensions - occupational and personal, helping our clients manage their income in retirement. We base our investment proposition on well-founded and award-winning investment research, see our wealth management services for details of our investment philosophy.
If you've been living abroad, then there's a good possibility your investments will need re-structuring to make them tax-efficient in the UK. To be able to rely on an advisory firm that is fully conversant with UK tax legislation and also has extensive knowledge of those investments sourced overseas is an obvious advantage when looking for an independent financial planning practice. We have experience of working abroad and can aid your transformation back into UK financial advice.
Trustworthy
We are obsessive in our adherence to high standards of confidentiality, integrity and discretion.
Expert
We are highly qualified with many years' experience in pensions and investments.
Safe
We never forget whose money it is and we always consult in all matters relating to your assets.
Book a 30 minute free telephone consultation
Book a 30 minute free telephone consultation
Get in touch with us to discuss your financial planning requirements. We operate a whole host of services to a range of clients.
Get in touch with us to discuss your financial planning requirements. We operate a whole host of services to a range of clients.
209 Liverpool Road, Birkdale, Southport PR8 4PH
Winshaw Corporate Solutions Ltd is authorised and regulated by the Financial Conduct Authority.
Registered in England and Wales No 88498532. Registered address: 209 Liverpool Road, Birkdale, Southport PR8 4PH
The guidance and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.