New Forest Living Mar - Apr 2020
Spring has awakened and our magazine is alive with a bountiful bouquet of features - from interviews with famous faces, delicious Easter recipes, travel to Santa Barbara, UK staycations, a bathroom and tile guide plus advice on choosing the right school.
Spring has awakened and our magazine is alive with a bountiful bouquet of features - from interviews with famous faces, delicious Easter recipes, travel to Santa Barbara, UK staycations, a bathroom and tile guide plus advice on choosing the right school.
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ADVERTISING FEATURE<br />
care considerations<br />
We are all very aware that living<br />
well in later life is something we<br />
need to work at, whether it is our<br />
diet, our lifestyle or exercising<br />
appropriately, we need to work<br />
at it. In the same way our<br />
finances need to work for us,<br />
to allow us the flexibility to<br />
embrace all of the actions that we<br />
should be taking, from golf club<br />
or gym membership to belonging to walking groups – all<br />
of these things have a financial implication.<br />
We spoke to Laura Pain from The Wealth Care Partnership<br />
about the financial steps we need to put in place…<br />
We are constantly hearing about pension planning being the key<br />
to a comfortable later life, where do we start?<br />
At the end of our working lives we deserve to live well, in comfort and<br />
free from financial anxiety. The state pension only gives us a basic<br />
income, therefore it is hugely important we take responsibility for<br />
ourselves and save for those years when we are not working. Saving<br />
into a pension offers significant tax breaks. By meeting with one of<br />
our planners you will be able to set a target with what you want your<br />
pension to pay out, and you will be advised how much you need to<br />
invest to achieve your target. At the point of retirement you will also<br />
be shown the most tax efficient way to draw your desired income.<br />
In an ideal scenario we would suggest paying into a private pension<br />
as early as you possibly can. Many rely on their State Pension<br />
however over the years this will become harder to survive on because<br />
the cost of living is increasing and we are living longer lives. Paying<br />
into a private pension is so important for your future - there are so<br />
many pension and investment opportunities available to people of<br />
all ages. If you are retired or are thinking about retiring and have a<br />
pension pot that you need to make last then speak to a Financial<br />
Planner and find out what options you have available. Think about<br />
your future….. once your private pension depletes will you survive<br />
on the state pension? There are investment strategies that can<br />
help generate income and although some of us are willing to take<br />
a little more risk than others when it comes to investments there is<br />
something out there for everyone – its just finding what suits you and<br />
your financial needs.<br />
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If we have investments but don’t feel that they are working for us<br />
how can you help?<br />
As I have mentioned above with investments there is an element<br />
of risk and how much risk you are personally willing to take. When<br />
dealing with our Financial Planners you would always be required<br />
to complete a risk assessment this allows us to ensure we look<br />
in to finding the right and most suitable investment opportunities<br />
for you. We all have an idea of the annual income we need to pay<br />
our bills whilst living a comfortable life so the investment process<br />
looks at options that can generate an income you desire. As with all<br />
investments there is never a guarantee but the performance can be<br />
reviewed as often as you wish.<br />
And finally, can you sum up, in one sentence, the benefits of a<br />
visit to you at the Wealth Care Partnership….<br />
Our friendly team at The Wealth Care Partnership take the time to<br />
listen to your situation and understand what you want to achieve,<br />
whilst giving you support to make important financial decisions<br />
that you will be happy with for many years to come. Providing a<br />
tailor- made, bespoke service for your own personal circumstances<br />
- we offer solutions to accomplish your goals. If you have existing<br />
pensions or investments that are not giving you the desired results<br />
or if you want to look at options available for your current financial<br />
position then get in touch with us – we are more than happy to help<br />
you find your way.<br />
Give us a call 01425 653263<br />
www.newforestlivingmag.co.uk | 57
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