People about to retire

Getting ready for retirement

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

Pension planning

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.

Investments

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

"I retired recently from many years working for HM Government, and thought long about the most prudent way to invest money from my pension lump sum. My attitude to risk has always erred on the side of caution, driven in no small part by horror stories of scams and the gullibility of others. My partner has invested in ISAs and share portfolios under guidance from Mark Bastable of Templegate, and so I met with Mark to explore options. I found Mark to be very personable, patient and professional in his approach to understand my concerns, Mark took the time to clarify aspects of my investment that were unclear to me. I decided to act similarly to my partner and invested in an ISA and a share portfolio; its early days yet but I look forward to meeting with Mark in future to review positive progress."

Maurice Bardsley

A client since 2019

Woking

16/12/2019

"Mark has been my adviser for 12 years now. He has continued to give good advice which is pertinent to my situation even though it has not been beneficial to him. I wish GPs and other professionals would be so willing to give advice! "

Veronica Tyrrell

A client since 2007

Worcester

03/09/2019

"Mark has been my financial adviser for over 20 years. I wanted to start thinking about my long-term future when I had children. Mark listened to what we wanted to achieve, discussed and explained our options and supported us to implement our choices. Over the long term, we are in a much better place financially."

Jo Greenfield

A client since 2000

Basingstoke

30/01/2019

"Having retired last June I needed Mark’s expertise on my best options and as usual he gave the best advice and guidance. We have used Mark as our financial adviser for more years than I can even think about. We trust him 100%."

Ken Bowden

A client since 1991

Basingstoke

01/05/2019

"Mark is really professional and took the time to thoroughly understand my financial position before advising me on my pension investments. In a complicated market I was grateful for the guidance."

Lisa Walsh

A client since 2016

Andover

01/04/2019

"Mark has been advising me on my pension investment since 2018, A professional service which inspires confidence with good advice regarding investment benefits, shortfalls and future expectations, I have seen positive investment performance, Mark is a friendly and patient person whom you feel you can trust and all is in hand."

Stewart Coombs

A client since 2018

Basingstoke

23/09/2019

"I contacted Mark because I needed Pension advice. After meeting with me and understanding my attitude to Risk Mark advised me on investing my 'Pension Pot'. The following year my attitude to risk had changed, I'm a bit closer to retirement age. Mark met with me and talked through the new investment plan he was advising me to move to. He took the time to talk through the potential benefits and risks of each part of the new plan. Mark also advised me of my options for when I decide to use my Pension savings. Some options I wasn't previously aware of. During our meetings I haven't felt rushed. I've felt comfortable asking questions that I felt would be common knowledge and that I should already know the answers to."

Roz Phillips

A client since 2017

Andover

17/01/2020