About You
The type of financial advice you need will depend on the stage you are at in your life, your financial circumstances, and your future plans.
In order to give you the best financial advice, Douglas White takes the time to talk to you about your current circumstances, and what you plan to do in the future. Our advice will differ depending on where you are currently and the lifestyle goals you have in mind. It is only once we thoroughly understand you that we will be in a position to build your financial plan.
Planning for retirement
It’s usually when you’re in your fifties that thoughts turn to retirement. The key questions to ask yourself are: what do I want to do in retirement? and when can I afford to do it?
If you are at that age where you think you might be 10 or 15 years away from retirement, now is the time to start working out what to do with any surplus income you may have and the pensions you’ve accumulated. With timely planning, you may discover that you can afford to retire sooner than you think…
- Discover how we’ve helped Jonathan and Nicola
Transitioning into retirement
Now that you’re ready to retire, it’s important to identify what needs to be done, and in what order, to maximise your chances of enjoying the retirement you want to have.
Whilst this is an exciting time, it can also be a time of uncertainty. You may be wondering what can I afford to do? Will I spend too much and run out of money? Am I going to spend too little and risk my loved ones paying unnecessary tax on their inheritance?
- Discover how we’ve given Shirley the reassurance she needs to fully retire and spend her hard-earned money!
Retirement
Now that you’re retired, it’s important to keep track of your income and expenditure so that you can continue to enjoy your hard-earned retirement.
In the early years of retirement, your focus will be on managing your wealth to do the things you want to do. As we get older, thoughts turn to care planning and ensuring that wealth can be passed on without being swallowed up by inheritance tax.
- Discover how we’ve helped Phil and Sara
Professional
As busy professionals ourselves, we completely understand…when you’re so busy working on your career, your financial focus tends to be on the here and now, rather than the long-term.
However, if you are earning a good income and want a clear idea of when and how you will retire, it’s important to carve out just a little time to find the answers. You just need to give it some thought, dig out the paperwork you have, and we’ll do the rest!
- Discover how we’ve helped Richard and Sarah to put together a financial plan which will help them to retire as early as possible.