“Paul Murray has been our financial adviser for over 10 years and when he moved to Paul Murray Investments I had no hesitation in transferring our financial affairs to his new organisation.”

Rod and Patricia Pointer

“I am so pleased that Paul listened to my requirements, clearly laid out my options in a professional manner and effectively carried out my wishes.”

Steve Peet

“Over the years I have used a number of advisers and got conflicting advice. This is the first time that I have felt in control.”

Steve Southwell

“Paul Murray identified options for managing my pension that other advisers had omitted.”

Tim Steggall

Retirement Solutions

If you had been employed for 30 full years or more, making National Insurance contributions, you would qualify for the state pension. If you had not worked for 30 years you may still qualify but you may not receive full basic state pension. This refers to anyone retiring before April 2016

However, with the UK facing ongoing economic challenges, and many pension schemes remaining underfunded, it is essential to ensure that you choose an appropriate pension scheme.

More than half of UK population are not saving enough funds for a good retirement, and one fifth are failing to save anything at all (Scottish Widows)

To live comfortably a retirement income of two thirds of your annual salary is recommended.

What do you really want out of life?

Whatever anyone really wants out of life it’s important to prioritise ones goals. Once you know where your want to go it’s far easier to develop an investment strategy to get you there. However it’s surprising how many people, despite having clear ‘wish lists’ of what they want out of life fail to plan ahead or put into place any kind of strategy that will help them achieve their goals. This is true of what they want in their working lives and into retirement years.

A “comfortable” retirement

Enjoying a comfortable lifestyle in retirement requires sufficient levels of funds for desired homes, holidays and pastimes. Pension income alone is seldom enough to fund everything. By having a well defined long term plan it’s possible to develop an investment strategy that will provide funds at important times in life.

You are going to spend a third of your life as a retired person, and by taking action now, you can help to make this period as financially secure as possible, If you are not in a company scheme, you should make your own arrangements, since relying on the state pension is already questionable and will become more so with each passing year.

Building a balanced and well defined portfolio can help ensure you get what you really want out of life. With careful planning it’s possible to achieve the kind of lifestyle that may have otherwise been beyond your reach.

Read more about Pension Advice.
To speak to us about reviewing or putting a plan in place please Contact Us.

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