Save for retirement
Retirement should be a continuation of your life today and all the things you enjoy spending time on. Through careful planning and goal setting at the outset, we will guide you as to how best to meet your retirement goals, whether you are an employee or self-employed.
A key element in your success is constant reviews of the plan to ensure that you remain on target at all times and will reach your goals. This will give you financial freedom both now and in retirement.
We will suggest an investment journey best suited to your financial goals. The markets will move up down throughout your journey. We will factor in those movements at the outset so you never need to worry about specific events or trying to time the market. The advice will be right for you from day one and using our house fund choice will set your mind at ease knowing the experts are looking out for you.
Future Plan will guide you through the process, providing reporting and ongoing advice
What we do
There are two things we look for:
- Understand your income needs at retirement along with specific goals you might have such as additional travel; buying a holiday home etc. We manage this through our cashflow modelling software to illustrate how much you need to invest before you retire and the type of lifestyle you can expect to enjoy when you get there!
- Understand your attitude towards risk via our questionnaire and risk modelling tool. We will also consider your capacity for risk – this is done by compiling all relevant financial information so we know how much risk you can bear. We take all the data we have gathered into account and ensure that our solution matches your circumstances. For example if you depend on one source of income at retirement we will guide you through ways to manage this risk.
- Implement a retirement plan that meets your income goals whilst being consistent with your overall risk tolerance.
Who we help
Pre-retirement:
We advise our PAYE & SME clients on how best to manage their cashflow now and into the future. We will plot out contributions needed to meet a retirement goal along with an investment plan to manage that journey. Examples of the type of individuals and business types we work with include: Legal, IT, Financial, Medical, Public Service, Retail, Communications, Construction…
Post-retirement:
As you approach your retirement date we will explain your pension plan options making sure to maximise your tax free lump sum in a clear and simple way. We revisit your planned expenditure in retirement and we examine your sources of income including the state pension and then we prepare an annual cashflow forecast that lets you live out your golden years to the fullest and safe in the knowledge that you have a financial plan in place. Examples of the type of pension clients we advise on would be: those looking for advice on maximising their tax free retirement lump sum and helping them decide should they buy an annuity or is an approved retirement fund (ARF) a better option for them. We also give advice and support on appropriate models of succession planning.
Why choose us?
Access in your pocket
We use an 'online filing cabinet' app to ensure important information reaches us as quickly and securely as possible. Protected by ultra-secure, state-of-the-art technology, all your documents are available to you, wherever you are.
Expert advice
We don’t just want to just sell you a mortgage, we want to build your lifetime plan and illustrate how your mortgage interacts with this.
Future proofed
We agree a schedule at the outset to review your plan on an ongoing basis, to future proof your plan.
How we manage your journey
We will get to know you and your goals, taking into account your income, expenses and assets. We then design a plan to enable you to reach your lifetime goals, while ensuring you are suitably protected.
Having designed your financial plan, we will set out recommend solutions to achieve your goals. These will be detailed in a document outlining why they are suitable solutions for you.
Like most things in life, plans can change. We believe that it is vital that we keep in regular contact with you to ensure that you are always moving in the right direction. We continue to support you throughout your life.
I have availed of Andrew’s services in a number of capacities over recent years and have developed great faith and trust in him. Andrew has successfully completed applications for finance for me on multiple occasions both professionally and personally; all applications were very well prepared and approved without stress or time-consuming queries and at very competitive rates of interest. He also looks after my pension interests and I have found him to be impartial, open, honest and very knowledgeable in this regard. Andrews broad range of knowledge spreading from finance, through pensions and accounting has been an invaluable asset to me both professionally and personally and I would have no concerns in recommending him to anyone for financial services.
Andrew has advised me many times in the past. His advice is always holistic and with my future plans in mind. Not only does he account for the detail, obviously being an Accountant, but also with an eye to the impact that the particular results will have on different parties. Most recently he assisted in reviewing and completing a funding proposal for the bank which, because it was so well analysed and presented, it was accepted with only a couple of simple questions.
I have no hesitation in recommending Andrew in any capacity as he has never let me down and is an absolute professional with a fantastic eye for overall impacts on ones future financial planning goals ad objectives.
From our initial consultation which focused on my current situation, my attitude to risk and what I wanted to achieve we have established a roadmap for my pension plan. Future Plan’s industry knowledge allied to his client-focused approach has allowed us to develop a solution for me which we will continue to refine into the future at scheduled intervals.
I was having an issue with an existing pension and it was resulting in little or no luck getting resolved. Future Plan took care of the entire process for me while also reviewing my pension model and worked out the best package to suit my personal needs. I would highly recommend Mark and his company to anyone looking to have their pension really work for them along with other financial models which I also availed of with their help.
Sustainability Factors – Investment/IBIPs/Pension Advice
When providing advice, the firm considers the adverse impact of investment decisions on sustainability. As part of our research and assessment of products, the firm will examine the Product Providers literature to compare financial products and to make informed investment decisions about ESG products. The firm will at all times act in the client’s best interests and keep clients informed accordingly. The consideration of sustainability risks can impact on the returns of financial products.