From making future retirement plans, to preparing for a retirement that’s just around the corner, we’re here to offer advice at every stage of your journey. We also recognise how needs and requirements can change throughout retirement, with some decisions and choices becoming increasingly complex; we’re here to make the process clearer and simpler. At Lester Brunt, our goal throughout the retirement planning process is to help give you the confidence to make informed decisions that provide a sense of security about the future.
We will design or review your existing retirement strategy, offering a full range of services across all areas of retirement planning.
Everyone’s retirement journey is different, but there are commonly four key stages: building pensions and savings, reviewing where you are now, and planning your legacy. Every stage has its choices and challenges, and you will have your own objectives. Wherever you are, our team can help you plan for the retirement you deserve.
The value of investments with St. James's Place will be directly linked to the performance of selected funds and these can fall as well as rise. You may get back less than the amount invested.
In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.
Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.
Set your communication preferences to receive your digital reports and electronic correspondence.
Make online debit card payment for ISA and any JISA top ups with a debit card
linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of
this valuation. Instant notifications when a new document is available to view.
For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.
Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600
Retirement planning is a vital step towards creating the future you want. Our advisers will spend time with you, getting to know your plans and ambitions, then assess your options to make your pension work as hard as it needs to. You may benefit from opening a new SIPP or trustee scheme, or simply reviewing your existing pensions. We help you to invest in pensions as part of a focused, tax-planning strategy for the future.
SIPPS tend to have higher costs than a standard pension and are generally only suitable for fairly experienced investors.
As you get nearer to retirement, your options for maximising your pension will start to diminish; therefore, it’s important to act as soon as possible.
Getting clarity on your options can make a huge difference and our qualified advisers will cover everything from pension drawdowns, UFPLS (unfunded pension lump sum), to purchasing annuities. We provide specialist advice to help you understand your choices and help decide on the outcome best suited to your needs.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested
When it comes to taking retirement, there is no one-size-fits-all solution; we understand there are a lot of independent factors to consider. You’ll need to deal with a range of hurdles, from managing income to understanding tax on assets and savings. One of our advisers can help guide you on the right course through this stage of life. Your options include:
Thanks to better medical care and healthier lifestyles, we all have the prospect of living longer – a factor that also has an impact on retirement planning. Our team can help you strategise for several future possibilities, including needing to pay for care or protecting your estate.
Planning for a long retirement is more important than ever. Maximising your pension fund should play an important part in your retirement planning, which is why our team are on hand to help you get the most from your pension funds. Our advisers will help with any pension queries you may have, from when to start accessing your pension, to utilising your annual allowance.
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
At Lester Brunt, we’re strong believers that it’s always the right time to think about retirement planning. No matter if retirement seems a long way off, or you’re right in the middle of it, our team are on hand to get your money working harder. Our advisers will look to get a detailed understanding of your life and circumstances, to provide advice that is not only tailored to you but will help deliver a stress-free retirement.
For more details about services that we offer reach out to us on 01202 695801, or click the button below.
