Bamford & Norden Dec/Jan 2022

ADVERTISING FEATURE
Andy P Collins Wealth Management Limited
A regular health check can offer
peace of mind, help to keep you on
track, and spot any issues before
they become serious. Getting one
should be regular practice and
increasingly so in our later years.
he same applies to your finances
and never more so than in retirement. Just as your
physical and mental health can become more
comple in later life so too can your financial plans.
Remaining invested in retirement, is normal, and
offers plenty of opportunities. But it also requires
oversight and decision-making throughout a period
that could last for over three decades.
Once you move into retirement and start to take
an income from your pension pot, you’re exposed
to a new set of risks, such as sequencing risk and
longevity risk, which tend to have impacts that only
become clear when it’s too late.
Regular reviews with the aim of recognising and
mitigating risks are therefore essential and I can
provide cash ow forecasting to assess those risks
should they occur – Just ASK!
Ongoing advice is always important, but more so in
retirement especially if remaining invested and reliant
on other assets to provide an income. In a climate
of widespread redundancies, some people will have
retired a bit earlier than expected.
Others are opting to work for longer or taking a more
phased approach to retirement, potentially even
returning to work as they look to bolster their savings.
You need to evaluate the impact these types of events
can have on your financial objectives and vulnerability
throughout retirement
his includes financial events such as the planned
bucket list, gifting of an inheritance, divorce, or changes
in your health. In fact, changed circumstances in
retirement are often linked to health, and the effect a
decline can have on lifestyle and expenditure.
Regularly reviewing your plans at least once a year will
help your investments to continue to reect your risk
appetite, ensuring that everything remains in line with
your objectives. Failure to plan is planning to fail.
I help individuals, business owners and
Directors make better financial decisions
I can’t change the events that shape your future,
however, I can ensure that you’re prepared with a
bespoke plan, and your resources are employed
focused on desired Goals.
As part of my understanding you as an individual or a
business, I review existing plans to check if they are
fit for purpose and your current wealth is protected
should any changes not be one you had planned.
So if you dont have a plan or just wish to check that
what you have in place is working with you towards
your Goal, then – Just ASK!
Andy is widely regarded as a Financial Services
business leader with a demonstrated history of
success at board level. His thirty plus years of
Financial services eperience has enabled him to
draw on a wealth of knowledge and skills.
During that time, he has held Head of sales, Director
and Senior management roles with some of the
UK’s leading institutions.
I am locally based and offer planning in
the following areas:
• Preparing for retirement and in-retirement advice
• Investment planning
• Pension planning
• Protection for you and your family
• Inheritance tax and Inter-generational planning
• Investment planning for children/grandchildren
• Protection for self-employed, company directors
and key people
• Aspects of ta efficient business eit strategies.
The value of an investment with St. James’s Place
will be directly linked to the performance of the
funds you select and the value can therefore go
down as well as up. You may get back less than
you invested.
The levels and bases of taxation, and reliefs from
taxation, can change at any time. The value of any
tax relief is dependent on individual circumstances.
To book an appointment contact me
directly with confidence and no obligation
on 07831 686716 or 01706 620613.
Please visit my website for more
information www.andypcollinswm.co.uk
St. James’s Place guarantees the suitability of the advice
given by members of the St. James’s Place Partnership
when recommending any of the wealth management
products and services available from companies in the
Group, more details of which are set out on the Group’s
website at www.sjp.co.ukproducts.
34 To advertise call 07976 289967 or 07974 434793 or email sales@streetwisemag.co.uk