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Pre-retirement

 

Client Profile

Arthur and Mary  approached us for retirement advice. They had accumulated a number of pensions and were thinking of selling their business. They had a business loan that still had 5 years until it was paid off but wanted to pay it off early so they could retire.

 

Our Approach
We checked that there were no guaranteed annuities on their pensions and no early surrender penalties and consolidated them into one modern contract. This reduced their overall charges and allowed us a wider choice of funds to choose from and provided the flexibility to take their tax free cash without purchasing an annuity. They took their tax free cash in order to pay off the business loans and left the rest of the funds invested until they retired.

 

They provided an indication of how much income they would need in retirement, with this we created a cashflow forecast taking into account the pension funds they had left and the likely sale price of the business. This showed them if they achieved the price they thought the company was worth they could retire earlier than planned and generate the level of income they required.

Testimonials

I had a couple of pensions, which I wanted to combine. Having researched local financial advisers, it became clear Crown Wealth and Brian were highly recommended. Brian listened to what I was looking for and then made a solid recommendation. Once agreed everything was implemented as and when he said it would be. I am seeing growth over and above what was forecast and more importantly above ...

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Mr L. – Shrewsbury

I needed to trust someone that would listen to my needs and ensure that the decisions made were the right ones for my long term objectives. Brian took the time to personally review all my financial matters, including my business operations and properties. Brian was then able to forecast my future in order to meet my personal objectives and wealth.  I have regular meetings with Brian and his...

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Mr Williams – Local businessman

We have been meaning to write to you for some time now to thank you for all that you did for J. over the many years you helped her. She held you in great esteem and really appreciated the open and friendly way you helped her. Thank you.

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Mr P. – Somerset

I have neither the expertise nor time to maximise my investment opportunities. To seek professional advice was the best option for my wife and for me. Brian reviewed our combined and separate assets and devised a series of investment options for our appraisal and action. Liquid assets have grown well so far.

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Mr P. – Mid Wales

Required inheritance to be invested. Brian offered me trustworthy advice in a clear manner.

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Mr Jones – Shrewsbury

Both E. and myself have been extremely pleased with the results of the advice you gave us.

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Mr and Mrs G. – Wolverhampton

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