Late Career


A married couple are within 10 years of when they hope to retire.

  • They own their house and have just finished paying off their mortgage so have some spare income each month

  • They want to know if they have built up sufficient assets to be able retire when they aim to

  • They have a mixture of Final Salary and Personal Pensions with various providers which they have built up at multiple workplaces over the years

  • They are both looking to retire at age 63 but their State Pensions will not start until they are 67

  • Clients are concerned about low interest rates for their cash savings

  • If they can afford to, they would like to help their adult children with house deposits

Our Advice

  • Formulate a strategy to define short, medium and long-term objectives

  • Review existing pension benefits and what they are likely to provide at their target retirement date

  • Identifying shortfalls or funding gap ensuring all available tax allowances are being utilised to bridge that gap

  • Explaining options how they could help with the house deposits without detrimental effect on their own retirement goals

  • Working closely with specialists, in areas such as mortgages (for their children) and wills, review existing arrangements to sure that they are in line with their objectives


How do you take it?
we’ll get the kettle on