Getting independent advice
Overview
Before you buy a personal pension or a stakeholder pension, you should think about getting independent financial advice. But remember, if you see a financial adviser you may have to pay for their advice.
Financial advisers must keep to rules that are laid down by the Financial Services Authority. You need to decide whether you want to consult a financial adviser. And if you do, make sure you understand, and are happy with, the advice they have given you before you go ahead with their recommendation.
Did you know that comfortable retirement could cost an astonishing £1,221,000 at age 60?
Planning for retirement is one of the most important financial aspects of our lives. We usually have a finite time to build assets which could in future be shorter then time we will have to live off these assets in retirement. As life expectancy increases, we all need to look at how we can ensure security and dignity in our later years.
With careful planning and some good old fashioned discipline you can create a strategy to make your retirement comfortable and achieve financial independence.
The key to success?
A simple six step process, which adheres to the internationally recognised Certified Financial PlannerCM license, could be what you need to help you make the best use of your personal and financial resources and achieve financial independence. At the end of the process you will have a clear plan to follow and you will know exactly what you need to do to afford the retirement you want. The key is to get started and ideally this will be as early as possible because if you start 10 years earlier you can halve the cost of a secure retirement.
Do it yourself or take advice?
It is entirely possible to create your own retirement plan following the six step process and by conducting your own research on the web. However, time is precious and therefore you may find it more time and cost-effective to engage a professional adviser.
If you decide to take professional guidance we have some key tips for you:
- Make sure your adviser is well qualified, ideally holding the Certified Financial PlannerCM License
- Ask to pay by fees and get any commission paid back to you
- Make sure you keep the cost of investing low as a reduction of 1% p.a. in charges is effectively a 1% p.a. additional guaranteed return!
Why engage Evolve Financial Planning?
Evolve only employs highly qualified Certified Financial PlannerCM professionals to help clients create financial plans which help them change their financial futures. Our approach is comprehensive and integrated, covering all aspects of finance including retirement planning and pensions, investments, tax planning, buying property and disaster planning such as life assurance.
We work exclusively on a fee basis and commit to ongoing reviews and service. We are totally impartial and have no ties with any bank, investment or insurance company.
You don.t need to have a large investment portfolio or high level of income, but you need to be happy to pay a minimum of £50 + VAT per month for our services.
What to do next?
Start planning for retirement! Please tick the box below and fill out the enquiry form to automatically download a PDF brochure:
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