Arthur & Elizabeth, a couple in their early 60s, approached us for financial advice. At this time both were working in part-time roles which they found very rewarding. They were starting to consider spending more leisure time together to enjoy life’s adventures, but were hesitant to make any plans being unsure of what they could afford in their future.
They were concerned that their accrued assets, £450,000 including various pension funds, investments and cash deposits would not be adequate to provide for the comfortable retirement they were both looking forward to.
Our starting point was to understand what Arthur & Elizabeth wanted their retirement to look like. To appreciate this fully, we spent time discussing what was important to them in life, their goals and aspirations for the future, and learning about the important things they wanted to plan for. In doing so we were able to establish a clear vision of the retirement Arthur & Elizabeth wanted.
Having a clear picture of what Arthur & Elizabeth wanted their desired future to look like was essential. By considering who else could be involved in their future plans (e.g. children or dependents), their priorities and available resources, we were able to help them make sense of this from a financial perspective and develop a comprehensive lifestyle financial plan with a clear strategy to deliver to their retirement needs without fear of future financial uncertainty.
Arthur & Elizabeth see their future totally differently now in a positive way. They now believe that retirement is a “whole new kind of life ahead full of experiences waiting to happen” and is something to look forward to.
They have the knowledge that their assets, investments and pensions are now suitably structured to deliver to their future lifestyle objectives, and that if they follow the plan, they will be financially secure for the rest of their lives.
Arthur & Elizabeth now have the financial peace of mind that only comes with lifestyle financial planning.
How much is enough for you?
At Cowens Financial Services we believe that retirement is different and unique for everyone. We all have a different view of what we would like our latter years to look like, different priorities, different aspirations and different levels of resources. That’s why we take the time to listen and understand. To develop financial plans that are fine-tuned to your future, and are as unique as you are.
If you would like to know “how much is enough” for you, please get in touch, and take the first step on your journey to your desired future lifestyle.