Pre-Retirement / Empty Nesters

Will. Tax planning. Wealth accumulation and Retirement planning. Family and Business Protection. Remuneration strategy. Succession and Inheritance tax planning.

This stage is often characterised by children leaving home and heightened professional success. Some deferred wealth may have been accumulated in Final Salary Pensions, Home Equity and some Investment Assets.

You are however not ready to retire professionally or financially. Further steps need to be taken to ensure sufficient overall asset values can deliver retirement income with surplus. Surplus is important as it hedges long term inflation and creates funds for gifts to children and grand children and also provides long term care cover.

Final accumulation stage. One must now examine not only the value of one’s assets and the inherent wealth shortfall but also the efficiency, flexibility and effectiveness of existing arrangements. Are they robust? Can they or their underlying investment models be more effective? Will they support 30 years of retirement?