Future Plan

future plan elderly couple on holiday

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:

  1. 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!
  2. 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.
  3. Implement a retirement plan that meets your income goals whilst being consistent with your overall risk tolerance.

Who we help


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…


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.​

How can we help you?

Contact us directly or submit an inquiry online.

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.

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