People about to retire

People About to Retire

For many of our clients who are within five years of retirement, their key concerns are whether they can stop working when they want to and have enough money to retire on. You may also have other concerns keeping you awake at night; perhaps you’re coming to the end of your mortgage, but unsure of what to do with the surplus income. Maybe your children have left home, but your caring responsibilities are switching to elderly relatives. Very often, we find that clients in the run-up to retirement have a pension pot, or several, but are wondering how they can have the lifestyle they want in retirement. What they all have in common is the desire to plan for tomorrow, whilst enjoying today!

How can we help?

We will:

  • Assess your current financial situation and financial plan, if you have one
  • Understand your goals and aspirations for the short term and the long term
  • Formulate or adapt your existing financial plan to help you to achieve your goals
  • Deliver the plan, managing the relevant paperwork and ensuring that it’s implemented as smoothly as possible
  • Offer regular reviews of your situation and adapt your plan if necessary, ensuring that there’s a back-up plan for the unexpected!

With dedicated, one-to-one support from a local adviser, we’ll support you during this exciting transition from working to retiring. We’ll give you the confidence to enjoy the lifestyle that you want to have in retirement.

Please remember that the value of investments, and any income from them can fall as well as rise, so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

Relevant services

There are a number of ways you can convert your hard-earned pension fund into income. Typical options are: Flexible Access Drawdown (FAD), lifetime annuity, temporary annuity and enhanced annuity. The best option will often depend on these factors:

  • The size of your pension fund
  • Whether you already have other income generating assets
  • The level of income you need
  • Whether you have any dependents
  • How you feel about investment-related risk
  • Your state of health and life expectancy

With access to the entire market, we can provide a financial plan which will meet your individual retirement needs.

Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

All clients want to know the best way to invest their money. However, the best approach is rarely simple, and has to be appropriate to the individual and their attitude to risk. Therefore, we undertake diligent research and present our advice in a concise, understandable way. We focus on recommending products and investment portfolios that have the following features:

  • Performance is consistent with risk levels
  • Charges which reflect value for money
  • Tax efficiency

Please remember that the value of investments, and any income from them, can fall as well as rise so you could get back less than you invest. If you are unsure of the suitability of your investment please seek advice. Tax rules can change and the value of any benefits depends on individual circumstances.

Helping you plan for today, tomorrow and the unexpected

Receive our newsletter

Please read our Privacy Policy.

"Mark has provided long term investment advice for my wife and I for a number of years. Our annual review takes a detailed look at our ongoing financial goals, changes to our financial position and any changes to our risk profile to ensure that our investments continue to meet our needs. Mark explains the investment evaluation process in simple terms to ensure we are comfortable with the choices we make. There is no pressure as all the decisions are ours. We are happy to continue using Mark as our adviser."

David Bull

A client since 2021

Basingstoke

08/11/2021

"Mark was very helpful with helping me aquire income protection insurance. Will definitely be using his services again. "

Josh Hern

A client since 2022

Basingstoke

23/07/2022

"Mark has advised me for a number of years and recently helped with my pension. His advice on this area was clear and importantly he helped to use understandable language when explaining the various options that were availble to me. Everything was completed in a timely manner and going forward I feel in good hands for my financial needs and advice."

Joe Allnutt

A client since 2009

St Mary Bourne

10/08/2022

"Mark has provided excellent financial advice to my wife and I over the last 7 years. The decisions we make are well explained and always in our best interest based on our detailed discussions. Mark prides himself on knowing our long term financial goals and as such can always explain the best course of action. I go to Mark when making any significant financial decision as I feel comfortable he will listen and advise accordingly. The benefit of Mark’s good financial advice and planning helps give security and confidence for our future."

Andy Winnett

A client since 2014

Andover

22/07/2022

"Thanks for the advice about transferring my pension, which is now paying a monthly sum into my bank account. After checking on the Unbiased platform and FCA website before going ahead, we had a couple of face to face meetings to explain the process, and after listening to what I wanted to achieve, you advised me of the best way forward. I am very pleased to say that I am happy with the advice and work you carried out for me and would recommend you."

Anonymous

A client since 2022

Basingstoke

11/08/2022

Reviews and Ratings for Financial adviser Mark Bastable, Salisbury