Hoping to retire early

You’ve worked hard over the years and earned the right to relax.

Taking stock of your financial situation, trying to understand your pensions, setting realistic budgets for the future and assessing how your finances will look in a few years’ time can be overwhelming.

But you don’t have to do it alone.

If you are thinking about retirement, wondering what options are available and if you can afford to retire, it’s time to talk to us. 

At Vision West & Wales, our financial planners understand the retirement journey and know how to plan with you to provide you with financial security for the rest of your life. By taking the time to listen to you, getting to know your circumstances and thoroughly analysing your financial situation, we can build a financial plan to make early retirement a reality. 

Your retirement plan

We will:

  • Assess your current and future financial positions
  • Discuss your ideal lifestyle in retirement and your wider objectives
  • Calculate your individual life expectancy to determine how long your finances need to support your lifestyle
  • Determine whether your current pension and investments will be sufficient to support your desired lifestyle, without causing financial hardship in the future. We do this by building a financial plan, click here to see an example 
  • Investigate whether ‘Pension Freedoms’ can help you achieve your retirement dreams
  • Discuss how retirement will alter your lifestyle and put plans into place to make the transition as smooth as possible
  • Review your current savings and investments to make sure that you are taking advantage of the most suitable solutions for you

Supporting your family

We will:

  • Establish what provision you want to make for your children and grandchildren
  • Review your Inheritance Tax (IHT) liabilities and make recommendations to reduce these where appropriate, to ensure that your family receives as much of your estate as possible   Again, this is done by producing a financial plan, click here to see an example
  • Ensure that your estate planning is in order so that the right money is put in the right hands, at the right time
  • Create plans for both you and your spouse in case either of you require long-term care
Our advice made early retirement an unexpected reality

Mr and Mrs Winter both wanted to retire. But having lost track of their pensions, savings and investments they were unsure whether retirement was an option. Following a review of their pensions,savings and investments,we were able to show them that it was.

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