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Those final steps to the summit are the most treacherous.
You’re going well however have more to lose if the market misbehaves, with less time to recover.
We ensure your money will be accessible where and when you require - considering market risks and not locking everything out of reach. It is impossible to retire early with all your money locked in pensions!
We explore retirement, private & state pension milestones, adjusting your portfolio to match these timelines for a smooth final ascent.
Recommended around 5-10 years away from retirement.
GOALS
Compare your planned retirement age against private and state pension ages to measure steps remaining
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, while maintaining growth
Determine correct allocation across all types of account (ISA, Pension, taxable), ensuring future cashflow when you need it
Correct utilisation of tax allowances - this may be your last chance to maximise!
Updated cash flow model produced to reflect adjustments and give reassurance of your plan
PROCESS
Pre-work: Gather information around your existing situation
(1 hour)
1:1 Assessment: Discuss your planned dates. Review your current assets and where they sit. 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 based on how close you are to the peak.
(1 hour)
1:1 Plan: Discuss possible adjustments to your portfolio to reduce risk gradually towards your retirement date. Begin considering your drawdown strategy once you reach Chill Peak, and plan towards it now. Consider actions to better utilise tax allowances as this may be your last few years to maximise.
(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!
Those final steps to the summit are the most treacherous.
You’re going well however have more to lose if the market misbehaves, with less time to recover.
We ensure your money will be accessible where and when you require - considering market risks and not locking everything out of reach. It is impossible to retire early with all your money locked in pensions!
We explore retirement, private & state pension milestones, adjusting your portfolio to match these timelines for a smooth final ascent.
Recommended around 5-10 years away from retirement.
GOALS
Compare your planned retirement age against private and state pension ages to measure steps remaining
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, while maintaining growth
Determine correct allocation across all types of account (ISA, Pension, taxable), ensuring future cashflow when you need it
Correct utilisation of tax allowances - this may be your last chance to maximise!
Updated cash flow model produced to reflect adjustments and give reassurance of your plan
PROCESS
Pre-work: Gather information around your existing situation
(1 hour)
1:1 Assessment: Discuss your planned dates. Review your current assets and where they sit. 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 based on how close you are to the peak.
(1 hour)
1:1 Plan: Discuss possible adjustments to your portfolio to reduce risk gradually towards your retirement date. Begin considering your drawdown strategy once you reach Chill Peak, and plan towards it now. Consider actions to better utilise tax allowances as this may be your last few years to maximise.
(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!