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 your 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

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    "Mark has advised my wife and I through the process of buying our first house and setting up a private pension and ISA. Mark helpfully talked through the pros and cons of every decision we made, and we felt confident that he was giving us the impartial advice we needed. We were unaware of the complexities involved in everything, and Mark helped us navigate it with confidence."

    Dom Harrington

    A client since 2022

    Basingstoke

    16/02/2023

    "Mark very quickly ascertained what was required for us and our financial status. He listens to you and is easy to talk to. His expertise gives you confidence you are in good hands. We required Equity Release. Mark soon found and organised a product that fitted the bill. He helped us at every step, and left nothing to chance. Excellent service. We will be using his services again next year for other financial matters. "

    Gill Payne

    A client since 2023

    Andover

    08/05/2023

    "My husband and I have used Mark Bastable at Templegate Financial Planning for over 16 years, beginning when we started a family. We have benefitted from advice and assistance in remortgaging, life insurance, critical illness cover, and setting up trusts. Mark's advice is always balanced and helpful, and we will continue to use him."

    Lindsay McCormack

    A client since 2007

    Witney

    15/05/2023

    "Mark has advised and provided financial support to me and my wife for many years. He has advised us about pensions, life cover, critical illness cover, stocks and shares, savings advise and income protection. Our latest and very important financial advice has been on my pension drawdown which Mark has handled with the upmost professionalism and now I find that I am in a comfortable position. He has talked us through the pros and cons of any decision that we have made and always thoroughly researches the best outcomes for us. We have found him to be very knowledgeable, highly qualified, and reasonably priced for his services that he has offered us and would not hesitate to recommend him to our family and friends. Undoubtedly, we would not have the safe financial future that we now have without his significant financial advice."

    Dave Harman

    A client since 2008

    Basingstoke

    15/06/2023

    "Mark has been our trusted adviser for many years and we have no hesitation in recommending him. Following his advice, we have moved our ISA portfolio to a different provider to get a better deal and bought into AIM shares to reduce our IHT liability. "

    Margaret Garrod

    A client since 2015

    Fleet

    16/06/2023

    "My wife and I met Mark through a recommendation which came highly and didn’t disappoint. He went through our investments and finances in detail and helped us to understand so much more of what we had, our potential liabilities (present and future) and offered rounded and balanced advice. He highlighted and explained issues we would never have previously been aware of, whilst offering various solutions throughout. We both sort of shut down when talking financial planning, but Mark managed to keep it clear, fresh and understandable. He was also adept at recognising when our brains had reached their limits. His knowledge is extensive and thorough, as he helped us with ISAs, property, IHT and more. He also has a range of professional contacts who can advise more on subjects not covered by his expertise. Mark is a very professional, helpful, and likeable guy who has proved to us his integrity and desire to help is his overriding raison d’être. "

    Pete & Amy Shaw

    A client since 2023

    Stockbridge

    02/08/2023

    "Mark has assisted with our pension investments for a number of years now and we're always reassured that we're in safe hands! In the ever-changing world of pensions, regulations, market fluctuations etc., we value his advice and expertise in ensuring our money remains safe whilst making some growth based on our attitude to risk and future goals. We wouldn't hesitate in recommending Mark to friends and family."

    Sue and Tom Burnip

    A client since 2023

    Andover

    14/09/2023

    "Mark provided advice during a recent redundancy. He helped me to estimate my current and future financial needs, then presented solutions that provided me with income and security. His clear and pragmatic advice helped me through a challenging situation. "

    Alison Edgington

    A client since 2023

    Wareham

    13/11/2023

    "Mark is very good at presenting advice in a way which is easily understood, using visual aids to support this. He is very knowledgeable, friendly, and takes time to explain things, giving plenty of opportunities to ask questions to ensure I understand."

    Alex Enright

    A client since 2023

    Andover

    15/12/2023

    Reviews and Ratings for Financial adviser Mark Bastable, Salisbury