At Home & In Te Garden • Sunday 24 May 2020


Financial planning, legal services & donations • 45 Achieve peace of mind and never run out of money


According to Helen Blackburn, MD of Oaklands Wealth Management, fear of running out of money is one of the biggest concerns for retirees


With people living longer, they need to make their retirement money last 30-40 years. Helen Blackburn, MD of Oaklands Wealth Management, advises there are


to cash, waiting for better days. Neither action is good.” “In these times it’s important to


two key princi-


ples to avoid running out of money in retirement. “Firstly, invest in a diversified way so


your pension and savings survive diffi- cult times,” she says. “Secondly, model your cash-flow until age 100, with all income and expenditure calculated. Recent volatility in stock market values is causing people to bury their heads in the sand or liquidate their investments


study data from previous outbreaks like SARS, Zika and Ebola. Even within a month of the outbreak peak, markets recovered way beyond previous losses.” “If you’re sitting on cash or are in the


wrong funds before markets recover, your retirement income could suffer for decades. Your investments need to outpace inflation or your spending power plummets. Knowing that your income can cover your expend- iture gives peace of mind. Cash-flow


modelling is the key. It acts as your own financial sat-nav year after year.” “Failure to understand the impact


of fund diversification and cash-flow on future income makes for an uneasy retirement. And it’s entirely avoidable if acted upon now.” “Te actions you need to take are


in Oaklands Wealth Management’s special package: Retirement Planning Guide — How To Never Run Out of Money. Te guide includes ‘Te 10 Essential Ques- tions You Must Ask ANY Financial Advisor’ plus more than 35 client stories of how sound advice helped achieve peace of mind. It’s suit- able for those planning retirement,


thinking


of transferring their pension or already in retire- ment. It covers active fund management, cash-flow modelling and tax-efficient investing.”


Free investment review (value: £250) — shows


trends to optimise retirement lifestyle.


For people with over £500k in pensions or savings.


Call now to reserve yours on 0121 728 2204


Download your copy now at HELEN BLACKBURN, MD OF OAKLANDS WEALTH


oaklandswealth.com/retirement-planning Alternatively, call now on 0121 728 2204 to reserve your copy. Lines are open 24/7.


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