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You made it!
Avoid One-More-Year syndrome and feel assured to go ahead.
We validate and build confidence in your plan by educating and illustrating cashflows, while coaching the mindset shift from accumulation to decumulation.
We handle logistics of entering part or full-time retirement, balancing guaranteed or flexible income using a floor and upside strategy. While avoiding common tax mistakes costing thousands!
Note that some aspects are best planned further in advance during Summit Steps - though if you did not manage to take that package don’t worry, we got this!
GOALS
Brief cashflow model with stress testing to provide initial reassurance of your plan
Determine whether you are most comfortable with guaranteed or variable income, exploring a hybrid floor-and-upside
Explore whether you plan to leave a legacy or “die with zero”
Determine your preferred mix of Annuities and Pension Drawdown
Illustrate how exposed you are to stock markets and other risky assets, educate on sequencing risk
Calculate your risk appetite, risk capacity, and necessity to take risk at this stage
Adjust your portfolio, de-risking if necessary, or even increasing risk depending on fixed-income choices!
A tax efficient withdrawal strategy across all types of account (ISA, Pension, taxable, cash)
Updated cash flow model with stress test to reflect adjustments and give reassurance of your plan
PROCESS
Pre-work: Gather information around your existing situation
(1 hour)
1:1 Assessment: Review your current assets and where they sit. Brief cashflow model illustration to demonstrate your readiness at a high level and highlight common calculation mistakes or incorrect assumptions. Assess your attitudes to risk, illustrate sequence of returns risk and potential variance and crash probabilities of your current portfolio. Explore how much risk you actually need to take now you made it.
(1 hour)
1:1 Plan: Explore your preferences around income style (particularly Annuities and Pension Drawdown) and discuss the merits of different approaches. Choose a withdrawal strategy which is often a blend of approaches. Discuss possible adjustments to your portfolio to reduce risk, or even increase risk if your floor is covered. Plan where from and when to withdraw for tax efficiency.
(1 hour)
Action: Guided implementation of your chosen actions, habit forming, and accountability check-in!
Offline guidance as needed, or 1:1 step through sessions.
(1-2 hours)
Book a free call or email today to discuss this package first, or go ahead and purchase now!
You made it!
Avoid One-More-Year syndrome and feel assured to go ahead.
We validate and build confidence in your plan by educating and illustrating cashflows, while coaching the mindset shift from accumulation to decumulation.
We handle logistics of entering part or full-time retirement, balancing guaranteed or flexible income using a floor and upside strategy. While avoiding common tax mistakes costing thousands!
Note that some aspects are best planned further in advance during Summit Steps - though if you did not manage to take that package don’t worry, we got this!
GOALS
Brief cashflow model with stress testing to provide initial reassurance of your plan
Determine whether you are most comfortable with guaranteed or variable income, exploring a hybrid floor-and-upside
Explore whether you plan to leave a legacy or “die with zero”
Determine your preferred mix of Annuities and Pension Drawdown
Illustrate how exposed you are to stock markets and other risky assets, educate on sequencing risk
Calculate your risk appetite, risk capacity, and necessity to take risk at this stage
Adjust your portfolio, de-risking if necessary, or even increasing risk depending on fixed-income choices!
A tax efficient withdrawal strategy across all types of account (ISA, Pension, taxable, cash)
Updated cash flow model with stress test to reflect adjustments and give reassurance of your plan
PROCESS
Pre-work: Gather information around your existing situation
(1 hour)
1:1 Assessment: Review your current assets and where they sit. Brief cashflow model illustration to demonstrate your readiness at a high level and highlight common calculation mistakes or incorrect assumptions. Assess your attitudes to risk, illustrate sequence of returns risk and potential variance and crash probabilities of your current portfolio. Explore how much risk you actually need to take now you made it.
(1 hour)
1:1 Plan: Explore your preferences around income style (particularly Annuities and Pension Drawdown) and discuss the merits of different approaches. Choose a withdrawal strategy which is often a blend of approaches. Discuss possible adjustments to your portfolio to reduce risk, or even increase risk if your floor is covered. Plan where from and when to withdraw for tax efficiency.
(1 hour)
Action: Guided implementation of your chosen actions, habit forming, and accountability check-in!
Offline guidance as needed, or 1:1 step through sessions.
(1-2 hours)
Book a free call or email today to discuss this package first, or go ahead and purchase now!