Wealth Management Advice for Those Retiring Or In Retirement

At BRB WM we offer a total wealth management service to a select group of clients. Our service for those retiring or in retirement addresses a broad range of issues that our clients have told us are important to them.

Will I run out of money?

One of the key concerns for many is identifying how much is enough to fund retirement free from worry.

We will calculate the cost of your desired lifestyle based on a conservative set of assumptions and create a strategy designed to ensure that your money will last as long as you do. We will then provide you with a conservative investment strategy at the lowest possible cost (because investment charges erode the value of your retirement funds).

We consider all investments that will help you achieve your retirement goals including business assets, property assets, shares, pensions and any other investments you hold. By taking a broadly based view of your total wealth we can provide you with a clearer understanding of where you are, what you need to be doing to achieve your goals and how best to keep it all on track.

We work closely with clients on how best to live life now. Your personal financial planning shouldn’t be asking you to starve in retirement, deferring everything for the future. Smarter financial strategies can cut your investment costs, save tax and improve investment performance in ways that allow you to have a little bit of your cake and eat it too. By firstly taking time to really understand what you want out of your life we can design a strategy for the future that lets you enjoy the journey as well.

Generational Planning

An important part of your retirement plan will be how much you wish to pass on to your children and grandchildren. Obviously this discussion can only take place once you know how much you need to take care of yourself. Having established that we can advise you on the best way to transfer your wealth to the next generations tax effectively and safely.

Health Care Issues

Health care is also a concern for many, as they take care of elderly parents or become concerned about their own health in later years. Planning ahead is the key and we are very experienced in finding creative solutions to fit your needs.

Removing the Hassle

Although we can’t sign paperwork on your behalf we can do just about everything else to remove the hassle from managing your financial affairs. We can also provide as much or as little information as you need to make informed investment decisions. Our communication with you will always be as simple and straightforward as we can make it and we promise to never take up any more of your time than absolutely necessary.