Now it’s our job to help you develop your goal into an inclusive, cohesive financial plan. As simple as it may be to state one’s personal financial goals, because of the many options available, and the dramatic changes taking place in our world, developing and implementing a personalized plan can be quite complex. We welcome the opportunity to help you consider your goals in detail and put your plan into effect.
We offer holistic ongoing financial advice. It is our role to ascertain where you are now financially and to discover your financial needs, goals and ambitions for the future. We do this by following our financial planning process.
We establish your financial road map, your goals, needs and objectives as well as the timescales you have set to achieve those objectives. We put together your personal plan consisting of the strategies and tactics necessary to give you the highest probability of achieving your goals.
Pensions: At Retirement
Once you reach your chosen retirement age we will determine how you wish to take your retirement income and investigate various options for you, to include Income Drawdown and Annuities.
The value of pensions and investments can fall as well as rise. You may get back less than you invested.
We then evaluate your attitude to risk. Are you a cautious, moderate or speculative investor or perhaps you are somewhere in between. The team at Grosvenor Financial Solutions can help you determine your attitude to risk and recommend investments aligned to your specific risk profile.
We then discern over what period you wish to invest – we look at the medium and the long term. We also learn if you would benefit from investing onshore or offshore.
Once we have the information compiled from this initial discovery process we look at tax efficient investments such as ISA’s then perhaps investment bonds or unit trusts and OEICS. By reviewing all of the available options we are better able to offer investments tailored to your current situation and future objectives.
The value of investments can fall as well as rise. You may get back less than you invested.
In the event of an illness or death, we suggest asking yourself a few simple questions to discover which protection plan is right for you.
At Grosvenor Financial Solutions, we will work with you and your loved ones to establish if we are able to offer you a contingency plan in the event that you had to be away from work for a period of 12 to 18 months. This plan could possibly pay you part of your income as a benefit.
** Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up with the payments on your mortgage **