Pre Retirement Planning

“Mr and Mrs A approached Grosvenor Consultancy Limited when they were five years away from retiring. They had a mortgage outstanding and were concerned about how much income they would require when they retired fully.

The couple had a number of pension plans, ISA’s and endowments of whose value they were unsure.

Their income and employment were secure: they just wanted to plan towards retirement.

We conducted a comprehensive review of all their existing investments, pension plans and life assurance and identified an amount of tax free cash they could recover by consolidating their pensions. We then invested their consolidated plans according to the couple’s risk profile.

We implemented a savings plan for the couple based on their income and expenditure needs and made structured use of Venture Capital Trusts (VCTs).

Through simplified reporting, online access and a regular review strategy Mr and Mrs A have greater confidence in their financial position and are now ready to put in place Wills and Powers of Attorney.

Following our advice and action steps the couple were able to clear their mortgage and now have more than enough income to meet their retirement needs. Mr A is now drawing income from his pension fund and the fund value has remained constant.”

Risk Warning and Regulatory Statement

Grosvenor Consultancy Limited is authorised and regulated by the Financial Conduct Authority (Reference 187799).

Tax rules, rates and allowances are all subject to change and are dependant on individual circumstances. The Financial Conduct Authority does not regulate tax advice and some forms of offshore investments. The value of investments and the income from them can fall as well as rise and you may not get back the full amount you invested.

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The Grosvenor Consultancy experience is defined by outstanding service and a comprehensive commitment to the provision of exceptional advice. If you are considering becoming a client, we would like to make sure that our services will be suitable and beneficial for you, please contact us to find out more.

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