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

"The service and personal attention my husband and I received from Mark Bastable of Templegate financial services was way beyond what we were expecting. His knowledge of his job and commitment to finding us a mortgage with the best rate helped us buy the home we were renting. My husband and I went bankrupt in 2013 and lost everything due to the recession, we never thought it would be possible to get back on the property market. Mark was confident from the off and that this was something he could achieve...and he didn't let us down. He was with us every step of the way and would respond to every email I sent quickly and efficiently. Mark came highly recommended from a family member and would recommend him to anyone trying to get a mortgage. Justine and Ken Harris Proud Houseowners"

Justine Harris

A client since 2021

Moulton

25/01/2021

"I am very pleased to give a testimonial for Mark Bastable of Templegate. I am a first-time investor. Mark listened to my concerns regarding my investments and took them into account when making his recommendations. He clearly explained the different products that fitted into my criteria. Mark has always responded quickly to any concerns or queries that I have experienced. I like that he does what he says he is going to do and is always on time with calls. There is never a stupid question, which is quite handy for me and I have never felt rushed by Mark, he takes his time and makes sure that I understand what he is offering. Altogether, I found it a pleasant and interesting experience and I thoroughly recommend Mark's services."

Hilda Harvey

A client since 2021

Lutterworth

12/02/2021

"Mark has been advising my wife and I for 6 years in solely in regard to investments. Recently we decided to move house so sought Mark's advice in regard to securing a mortgage. We had no hesitation in accepting Mark's subsequent recommendation given our positive relationship with him. The mortgage application process was overseen by Mark and completed with few problems. We were completely satisfied with the result as we have been with all the guidance and advice Mark has provided over the past 6 years. "

Derek Binks

A client since 2015

Andover

19/03/2021

"When my wife & I wanted to re mortgage in order to staircase to a larger percentage of our shared ownership property, we found Mark to be an enormous help. It's no exaggeration to say they we couldn't have done it without him. From the very start he was friendly, communicative & open. Despite the problems caused by the Covid pandemic Mark was always approachable & ready to talk us through any steps we wanted to go over, either on Zoom, phone or email. As for the actual mortgage product, we couldn't be happier. Everything we were after, Mark found & found it within our means. We will certainly use his services again in the future. Thumbs up for Mark. "

Nick Dawe

A client since 2020

London

06/06/2021

"Mark Bastable has been advising my wife and I for over six years and we are extremely satisfied by the services he offers. He has advised us mainly in the area of savings for retirement – an area very important to everyone. His advice is always balanced, informative and as time has shown is extremely good. He also has a broad width of general financial advice and knowledge and is a good source of guidance and assistance with our other needs. We would wholeheartedly recommend Mark. Personally, we are looking forward to a long and beneficial relationship with him."

Steve Hough

A client since 2015

Andover

17/06/2021

"We have used Mark’s services for many years. He has provided us with sound financial advice in a wide range of areas, including stocks and shares, ISAs and inheritance tax and we are more than happy to recommend him to others."

Margaret Garrod

A client since 2005

Fleet

17/06/2021

"We have used Mark for decades now and always feel he understands our aims and targets very well. We feel relaxed and totally trust and follow his very professional advice, which he has built up over the many years he has been in a finance advisory roll. We would always strongly recommend Mark to anyone who is looking for financial advice."

Ken Bowden

A client since 2001

Basingstoke

23/06/2021

"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."

Andrew Winnett

A client since 2014

Andover

22/07/2021

"We first used Nathan Morrisen as our financial adviser, just a few months back when he became a huge help and took on the task of helping us re-mortgage our home, which was then unmortgaged, to raise funds to buy a second home in Cornwall. Nathan visited us in our home to take further details and progress things and very quickly found us several lenders that were willing to consider our application. He found an exceptionally good deal and went above and beyond in getting this for us, despite having some procedural and red tape issues from the Lender regarding our particular and unique situation, which wasn’t a standard set up on paper. The whole deal would have fallen through, had it not been for Nathan’s tenacity and sense of fair play to actually get the lender to follow through on our transaction when we found ourselves in the position of being ideal candidates in reality. All the time wasted by the lender deliberating nearly cost us the excellent rate that Nathan had originally found and again, he fought and argued the case that we should get the deal we originally applied for – and we did. Nothing was too much trouble; he was always there at the end of the phone and it was quite honestly refreshing to experience this approach. I wouldn’t hesitate to recommend Nathan to anyone who needs financial advice, really just as the lovely, personable guy he is, we would use him again automatically. "

Rachel Spanswick

A client since 2021

Lamborn

27/08/2021

Getting ready for retirement

Relevant services

Helping you plan for today, tomorrow and the unexpected