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Retirement Planning

How you fund your retirement from the assets you have built up during your working years is one of the most important decisions you will likely make.

It is therefore imperative to get the right help and advice to ensure that you consider all the options available to you and to navigate this complex area.

Everyone’s retirement looks different:

You may wish to know when you can make work optional;
You may wish to slow down work but use your pensions and investments to help fund your needs;
You may be lucky enough to have enough financial security that continuing to grow your assets so loved ones will benefit is the priority;
You may just be starting to think about retirement you want and to understand what this might look like given the path you are on now.

However you envisage your retirement years, planning for it early is the best way to make these dreams a reality. This is where Path can help.

Our advice journey

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No journey can start without a destination in mind, so we work with you to understand what you want from your retirement.

Once we appreciate your needs and priorities, we will consider all available resources that can help you meet them:

We will provide you with our independent recommendations on how to reach your retirement goals;
We will provide you with a road map so you can see how your retirement journey may evolve;
We will ensure your invested assets are align with your values;
We will implement our recommendations for you, leaving you free to get on with enjoying your retirement;
We will regularly check in with you to make sure you remain on track and provide advice and guidance along the way.

We are always here to help and will be here to support you. There are many stages to retirement and any plan we put in place for you will be flexible enough to adjust to your changing needs.

Independent advice

Generating an income and meeting capital needs in retirement can take many forms and often using a blend of solutions provides the optimal outcome.

Common solutions to consider include:

Whether annuities can help you feel secure in retirement;
How to structure and use your other non-pension assets to supplement your pension income;
Using pension lump sums to help tax efficiency and extend the how long your pension can last;
Keeping your pension pot invested and drawing an income directly from it, known as drawdown;
Blending personal provision with other more secure sources on income, such as your state pension and any final salary pension income you may have;
Alternative investment vehicles that align with your ethics and provide you tax efficient income.

As a truly independent advice firm we will consider all options available to you to make sure you receive expert advice now and throughout your retired years.

Speak to an expert today

We are so impressed with the quality of service provided by Path, where ethical considerations are at the core of everything they do…
– Becky and Roy Francomb, Path customers since 2020

Research shows that 45% believe they will retire earlier with the help of a financial adviser or wealth manager, and 48% estimate they will retire by the age of 60 or earlier.*

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    * Investec Wealth and Investment

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    RISK WARNING
    As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice.