Expert Guidance on Retirement Planning

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PLAN FOR YOUR FUTURE, WHATEVER YOUR AGE

No matter how old you are, it is never too early to plan for your retirement Here at Opal Wealth Management. our friendly. knowledgeable learn of pension advisers can help save you time. money and hassle by helping you plan your retirement now. We feel that as retirement approaches, you deserve to be able to concentrate on planning how to spend your time rather than on saving your hard-earned assets.

PENSION ADVICE & RETIREMENT PLANNING

Once you retire, without an income built to support you for the rest of your life, those bills can mount up. leading to unnecessary stress and worry. With our industry knowledge and personal approach, we work with you to build a tailored financial plan, with the aim of giving you financial security in your retirement

FINAL SALARY

Many savvy savers are torn between valuable final salary pensions and investing their hard-earned cash in the financial markets, which, if not guided by those in the know, can lead to losing money.

Naturally, there is no one-size-fits-all solution. What may be the right route for one client is unlikely to be the same for the next. At Opal Wealth Management, we fully assess your individual circumstances, your needs and your preferences. Being aware of your current situation helps us to help you work towards more profitable outcomes in a way that is right for you.    

A Pension is a Long term investment, the fund value may fluctuate and can go down.
Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax Legislation.

The Financial Conduct Authority does not regulate occupational pensions.

Preparing for a more secure financial future

1) Maximising your pension pot
Start planning now, and enjoy greater financial freedom when you retire. We’ll help you find the right pension product to boost your funds for the future.

2) Get a head-start
It’s never too early to start planning for your retirement. Whatever your age, we’ll help you identify how much you can afford to put aside each month.

3) Achieve your goals
Whatever your plans for your retirement years, we can help to make them happen. Armed with the right plan, you can enjoy the lifestyle you want later in life.

Ensuring you enjoy your retirement

Your retirement should be a time to relax and enjoy life. However, a state pension alone is unlikely to provide enough to support a truly comfortable lifestyle, which is where a good retirement plan can come in handy.

We’re pension specialists in Wolverhampton, and work with clients throughout the Midlands. Our professional advisors will help you to develop a solid plan for the future, based on your individual circumstances. It’s our job to ensure you get the most from your pension pot.

What is retirement planning?

There are lots of things to consider when planning for your retirement.

Every good retirement plan starts with a discussion; so first, we’ll identify what sort of lifestyle you want after you’ve stopped working, and how much money you’ll need to achieve it.

Our advisors will outline what retirement income you can expect to generate, depending on which pension and savings products you choose to invest in. Don’t worry – if your circumstances change, we can adjust your pension plans, as most plans offer a good level of flexibility.

We take pride in our financial planning expertise, and will make sure that your funds are invested into pensions that match your requirements. If you’ve got any questions about your pension at any point, get in touch - we’re just a phone call away.

Getting more from your money

Opal Wealth Management are here to help you understand the options available to you, so you can choose a pension plan that best meets your needs.

There are a variety of pension schemes on the market, plus a range of other investment options too. We’ll talk you through the different products, and explain what impact they might have on your future retirement funds. We’ll also assess how you feel about risk, to ensure that we only recommend products that are suitable for you.

Our team has plenty of experience in the industry, and we’ll use it to help you create a personalised retirement plan. We’re appointed representatives of TenetConnect Ltd and FCA-regulated too – which highlights our commitment to offering a high standard of service to all our clients.

Opal Wealth Management adopt a customer-focused approach, and are here to answer your questions with honesty and approachability. To find out more, get in touch via phone or email.

FAQs

When should I start planning for my retirement?

It’s never too soon to start planning. At our initial consultation, we’ll talk you through your options, while taking your current age into account.

Do I have enough money to invest in a pension?

Some plans only require you to invest a small amount each month, and which soon adds up in your pension pot. Our recommendation is – if you can afford to commit to even a tiny monthly payment, it’s a sensible idea. In fact, many of our clients are surprised at how quickly their pension funds grow over time.

What are the advantages of retirement planning?

If you plan for the future, you’re more likely to reap the financial benefits. For example, personal pensions are eligible for tax relief (claimed at the basic rate), which is added to your funds.

There are other tax claims you can make too, depending on your unique circumstances.

Isn’t my workplace pension enough?

It may well be; and remember, you should be eligible for a state pension too. However, it’s worthwhile talking to a financial advisor, who will review your current pension, and present you with a full range of options.

Where to get started?

If you’d like to start planning for your retirement, our team are here to assist. To arrange a free consultation, call one of our Wolverhampton-based wealth management advisors, who will be happy to talk you through your options, and review your current pension plans.

Get in contact with our team today.

Contact our pensions adviser for further information and advice on pension and retirement planning

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