We provide comprehensive, clear advice on all pension and financial planning issues. That may include streamlining your pension pots to achieve better returns on your investments, designing a plan to ensure you can achieve all your retirement ambitions without the danger of running out of money. We can also provide guidance to assist you to prepare secure legal documentation, such as a will, lasting power of attorney and trusts*.
Our work together will focus on how you want to spend your 30 or 40 years of retirement and ensure that you remain in control of your financial arrangements and your lifestyle choices. We are very proud that our clients tell us that by working with us, they can look forward to the years ahead with confidence.
* These are all drafted by suitably qualified third party professional contacts of ours.
How we help
Retirement lifestyle planning
When you picture a good retirement, you probably picture a life spent busily doing things you love, without the burden of work. But not everyone comes to retirement able to clearly picture what that life looks like. We will help you identify the perfect retirement lifestyle for you, then set to work ensuring you have enough money to achieve it.
A fundamental part of retirement planning is calculating the safe withdrawal rate from your retirement funds. You want to be sure you are saving enough for later life while still being able to enjoy your retirement to the fullest. No easy matter given volatile market conditions and a fast-changing economy. We use trend investment strategies to better navigate uncertain markets.
Pension fund enhancement
Our goal is to provide you with a retirement free from money worries – the least you deserve after a lifetime of hard work and saving! While nothing in life or the markets is a certainty, we often find that there is considerable scope for clients to increase the monies in their pension funds; they simply require hands-on guidance to understand the steps needed to achieve this.
While you might not like to spend too long thinking about worst-case scenarios, bad things can, unfortunately, happen to good people. Carefully tailored protection planning will ensure your loved ones are protected from financial dangers if ill health, an accident, or a death strike. We’ll help ensure that the fate of your loved ones is never left to chance.
Second opinion service
Making potentially life-changing financial decisions can be nerve-wracking. We offer a small number of “second opinion” appointments per month. These provide an opportunity to gain an experienced eye over any arrangements you have made yourself, or advice you have received elsewhere.
Estate and tax planning
Do you want to ensure that your wealth is passed on to the next generation? Do you worry about the impact of Inheritance Tax on those you leave behind? Our team will help you preserve your wealth for your loved ones with a plan incorporating Inheritance Tax mitigation, will writing, a plan for the transfer of pensions after death, and estate planning.
What our clients say
Discover what our clients really think of us and how we help them succeed.
UnaVida are trustworthy, honest, and reliable.
Ray's philosophy to finance was aligned with ours.
I look at Ray as a friend, rather than just an adviser.
Our comprehensive approach provides a full analysis of your financial situation. But it also takes in far more than just your finances. Your journey with us will enable you to create a future that is meaningful to you.