Calculating how much money you will need for the rest of your life, without knowing what your future will hold, can feel like an impossible task and can be completely overwhelming and daunting for many of us.
Retirement is one of the biggest transitions that you will face in your lifetime. To move away from working 40+ hours per week, in a job that holds some authority, to creating a whole new life and purpose, can be intimidating.
Our chartered financial advisers can help you to plan and prepare for your ideal retirement in these three steps.
Retirement bestows you the luxury of freedom during your prime time. Wherever your imagination takes you, we can work with you (and your partner) to create and safeguard your perfect retirement plan. From luxury holidays to purchasing that dream second home or alternatively, paying for the grandchildren’s education, we can facilitate turning this dream into reality.
Once we understand exactly what your objectives and aspirations are for your retirement, we can make the calculations to calculate how to get you there. You will know exactly how much you need to achieve your dream retirement, how much you will need to be saving to fill the gap, and at what age you will be able to afford to retire. One more weight off your shoulders.
With our advanced technology and experience, we can formulate your own bespoke, financial roadmap. Mapping out all your predicted financial income and spending throughout your life. Along with your aspirations, our FutureMap tool explores your challenging questions, anticipates market changes, and enables you to build your contingency plan.
Your investment approach should reflect you as a person, as well as your life goals. This should not be a ‘one size fits all’ approach.
We design a bespoke, investment strategy to support you to achieve the best possible returns for your investments. In addition, we can take the heavy work off your hands by regularly monitoring and rebalancing your portfolio. This enables us to ensure your portfolio is meeting your risk preferences, without you as the client needing to be concerned about it. Inevitably, this will guarantee that you reach your retirement goals as quickly and efficiently as possible. And once you have retired your investments will continue to grow and generate an income for you. Our experienced in-house team and esteemed Investment Consultant, Tim Hale, regularly monitor and adapt Capital’s investment portfolios. Over the last decade, our clients’ investment portfolios have achieved significantly ‘above inflation’ returns. You can be assured you are in safe hands.
A lump sum of £1million invested for nine years produced an annualised return of 7.92%, a gain of £987,685
*Notes: Capital 60/40 portfolio, 19.02.2011 to 19.02.2020, gross total return before costs. Source FE Analytics. Please note that past performance is not indicative of future performance and you may get back less than you invested.
Retirement is undeniably a major one-off life event and thus, the pressure of getting it right is immense. Having that crucial advice and support from someone with the experience of helping hundreds of people to plan their retirement is the best support you can get. Here are just some of the matters we can help you with:
Setting up grandchildren's trusts and ISAs
Budgeting for a big trip
Funding for grandchildren's school fees
Planning your retirement
Long-term care research
Nobody likes paying for extra services they don’t use. That is why all of our fees are bespoke to you, based upon the services you require and your financial complexity. Our fee approach is simple and most importantly, it is transparent. Additionally, the fee will always be agreed in conjunction with you, before we begin any work. We offer a flat, annual subscription fee with the flexibility to add or remove additional services as and when you need it.
Your own financial planning team
Annual planning meeting
Your personal financial roadmap
A personal investment portfolio
The Annual ISA Service
The Professional Wealth Network
Helpful Case Studies related to Retirement
If you are ready to start planning your retirement and would like to partner with an experienced financial advisor, contact us today for your free, no-obligation, coffee meeting to discuss how we can help you.
Share your story – the good and the bad. Your ambitions for retirement and your future. Your family, your values and what’s important to you.
Looking at what you have compared to what you want and creating your own person roadmap to get you there.
Once you are happy with your plan, we’ll do all the hard work for you. Just sit back and relax while we put your plan into action.
Capital Asset Management were recommended to us by a friend who had had excellent investment results over a 10-year period. Our experience has been similar, over 7 years, with consistent attention to our investments, enabling us to rely on only one meeting a year, otherwise leaving the details to them, with confidence. As we are both in our 80's, their senior director visited us in our home for the annual meeting this year. I can confidently recommend Capital Asset Management.
For over 17 years my wife and I have benefited from the advice provided by Alan and his team at Capital Asset Management. Our funds have been, and continue to be invested wisely, resulting in our pension plan performing better than forecast. In addition, during some difficult and challenging periods Alan, with his genuine personable manner, has always been there to advise and guide us. Alan and more recently James Greenly have helped us achieve a stress-free retirement for which my wife and I are truly grateful.
We have both been retired from full-time work since our mid 50’s and are now in our early 70’s. We are long-term clients of Capital and regard our financial adviser Graham as trustworthy and reliable providing us with a personal retirement plan that consistently reflects our personal goals as they evolve over time. Through his work, he enables us to have an ideal lifestyle, money to travel the world and maintain our property to a high standard. We do not have the stress of having to manage our pension and investments ourselves and have no worries about our funds providing the income we need as we grow older. Graham gives us the confidence to enjoy our retirement.