How much can you spend? For how long? From which accounts, and in what order?
These are the questions that sit at the heart of retirement planning, and they are harder to answer than they look. The amount you can draw safely depends on your total assets, your investment returns, your tax position, inflation, and how long your retirement lasts. Get it wrong in the early years and the consequences can be difficult to recover from.
We build retirement income plans that are grounded in proper cashflow modelling rather than rough estimates. You end up with a clear picture of your financial position in retirement, tested against different scenarios, and reviewed with you each year as things change.
What we work through with you
How much you can sustainably draw each year without depleting your capital. Which accounts and assets to draw from, and in what sequence, to manage your tax position efficiently. How to coordinate income from pensions, ISAs, investments, rental income and the State Pension. What happens to the plan if investment returns are poor, if care is needed, or if you or your partner live longer than expected. How to build in flexibility so the plan can adapt when life does not go exactly as intended.
Why independent advice matters here
The years immediately before and after retirement are when the biggest financial decisions get made. Crystallising pension assets, choosing a drawdown structure, deciding whether to take tax-free cash — these are not decisions to revisit. Getting independent, chartered advice at this stage is important.
Ready to talk?
Call us on 028 9590 9717 or email hello@foursquarefm.com — we are happy to have an initial conversation about your situation with no obligation.