Phased Retirement

To begin, we conduct a thorough financial analysis to gain a comprehensive understanding of your current financial position. This analysis includes an assessment of your assets, liabilities, retirement savings, and income sources. By examining these key factors, we can develop a phased retirement plan that is customised to your individual circumstances, providing you with a clear roadmap towards achieving your retirement goals.

As part of our phased retirement service, we offer strategic investment planning. Our team of experts will work closely with you to design an investment strategy that supports your income needs during the transition period. We take into account your risk tolerance, time horizon, and income requirements to create an investment portfolio that maximises potential returns while minimising risk. With our guidance, you can feel confident that your investments are aligned with your phased retirement objectives.

Pensions are a vital component of retirement planning, and we have the expertise to help you navigate the complexities of pension arrangements. Our pension specialists will assist you in understanding your existing pension benefits and explore options for optimising them during the phased retirement period. We can guide you through the intricacies of pension regulations, helping you make informed decisions about contributions, withdrawals, and any available tax advantages.

At Heritage, we take a holistic approach to phased retirement, considering not only your financial needs but also your estate planning requirements. Our team can assist you in reviewing and updating your estate planning documents, such as wills and trusts, to ensure that your assets are protected and distributed according to your wishes. We understand the importance of leaving a lasting legacy for your loved ones, and we are here to provide guidance throughout the estate planning process.