60 RETIREMENT PLANNING


GETTING FLEXIBLE ABOUT TIME by Jon Doyle


Founder, Juniper Wealth Management


Building Wealth That Lasts For Life


"We work hard to understand what is important to you in life and what you want your money to achieve for you.


We then put a tailored plan together to help you protect what is important to you and provide for what you value most.


We use familiar tools such as Investments, ISAs, Pensions, Trusts and Life Insurance to do this as well as specialist tools and most importantly asking good questions and listening hard"


There is a temptation in retirement planning to focus on a single moment in time: the day you leave the office for the last time and become retired. To do this would be a mistake.


Not only has there been a 68% increase in the number of self- employed people over the age of 50 in the past 10 years but there is also a 25% chance of a 66-year- old male living to age 92, rising to age 94 for a female. Consequently, people are generally working longer but more importantly, they are working flexibly and phasing their way into full retirement.


-Founding Director, Jon Doyle.


Juniper Wealth Management The Old Docks House


90 Watery Lane Preston PR2 1AU Tel: 01772 965 608


Email: clientservices@juniperwealth.co.uk


This has two significant consequences for retirement planning.


Juniper Wealth Management Limited is an appointed representative of Beaufort Financial Planning Limited, Kingsgate, 62 High Street, Redhill, Surrey, RH1 1SH, which is authorised and regulated by the Financial Conduct Authority. FCA Registration No. 583233.


Firstly, our finances need to be as flexible as our lifestyles have become. To achieve this, we need to be cognisant of liquidity. Not just cash but also owning assets that can be liquidated easily and tax efficiently.


In the past 12 months, we have used this to help clients move home without selling first, invest in their children’s businesses, and even fund the transition from CEO to Portfolio Non-Exec.


Secondly, we need to think longer- term. De-risking your portfolio too early could hamper the ability of your money to outlast you whilst restricting your choices and freedom along the way.


To protect the value of your wealth we need to utilise globally diversified, low cost, risk-managed investments that will safeguard your lifestyle throughout an active, enjoyable, and long retirement.


In summary, financial planning is a process. Not an infallible roadmap perfectly laid out ahead nor a fixed plan to crescendo toward a single moment in time, but rather a repeatable process by which to make good decisions and build wealth that lasts for life.


WHEN LIFE GIVES YOU LEMONS


by Antony Keen Partner, PM+M


Covid-19 has turned our world upside down, forcing us to halt our fast-paced lifestyles and spend months at home.


Helping your money achieve more


Committed to supporting your future with expert advice in all areas of pensions, investments, tax and estate planning and lifetime cashflow planning.


Get in touch today: 01254 679131


enquiries@pmm.co.uk www.pmm.co.uk @pmm_acc


PM+M Wealth Management Limited is authorised and regulated by the Financial Conduct Authority


With so many hours to fill, why not ‘make lemonade’ and focus on financial planning? Whether that’s ensuring you’re on track for your dream retirement or making sure your hard-earned money is achieving more – spend your time wisely.


Trace a forgotten pension. Over £19bn lies in lost pensions. Could you be owed some of this? Any money in an old pension still belongs to you and can be identified using the Pension Tracing Service.


Consolidate your pensions. If you’ve had several jobs, you’ll probably have multiple pensions invested with different providers charging varying fees. In most cases (though not all) it’s worth combining these into one well performing pension to reduce costs and maximise growth.


Consider your tolerance to risk. Rather than taking a haphazard approach, ensure your savings and investments are right for you, aligning with both your future goals and desired risk level.


Keep saving. You can pay into your pension, even if stock markets fluctuate. A pension is a long-term investment, so by continuing to contribute, you can buy investments at a lower cost – benefiting as markets bounce back.


Speak to a financial adviser. Now is the time to reflect and consider whether Covid-19 has impacted your future plans. If you don’t think you can achieve your financial goals within your desired timeframe, you may need to refresh your strategy.


Careful financial planning should never be underestimated. Focusing on how to make the most of this situation, thinking positively and creating a sustainable future is a great place to start.


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