Post-Retirement Planning

Retirement is like climbing a mountain: you work hard to build savings and assets to reach your financial goals at the summit. However, the descent into retirement can be more challenging and dangerous than the climb, with unique physical, technical, and psychological obstacles.

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Navigating The Retirement Mountain

Retirement, for some, is no different to mountain climbing. The great news is that we are generally living longer, but this can come with some challenges and for some the prospect of retirement can be quite daunting. A large part of this concern can be driven by the fear of running out of money in retirement, often referred to as “retirement anxiety”.

Things that typically work in your favour during your pre-retirement years suddenly represent real dangers in the post-retirement era and represent real dangers to the longevity of your retirement funds.

The good news is that with the use of sophisticated software we can design your retirement journey, taking into account your future spending plans or future income streams to ensure that you do not run out of money in retirement and give you peace of mind that you can enjoy the retirement you want.

Planning for the Future

Life, like the descent from a mountain, is never that straight forward and there are often things that occur that we were not expecting that try to put us off track. From a retirement perspective this may be sudden expenditure requirements, changes to family situations or declines in pensions and investment values.

We do not want you to worry about the financial impact of these events, and this is why it is important to review your plan annually to ensure that you are still on the right path or to make changes if required.

We will also stress test any post retirement plan to incorporate significant unexpected events and to determine the effects these may have on the plan. This may be things like simulating a financial crisis such as the 2007 to 2008 global financial crisis or perhaps the falls in financial markets experienced in the early days of the COVID-19 pandemic.

By stress testing your retirement you gain peace of mind in perhaps knowing that your plan can withstand such events thus preventing any panic if events do occur, or you will be informed of the types of events that may require us to revisit your plan.

How We Can Help

You will receive advice from your dedicated case manager who will follow the progress of your case from start to finish keeping you informed along the way, saving you time, trouble and money.

For more information on the best pension for you, call us free on 0800 255 0123 .

Contact Us

Gemini House,
71 Park Road,
Sutton Coldfield,
West Midlands,
B73 6BT

T: +44 (0) 121 354 2700
E: info@gemini-wm.com

Gemini Wealth Management Limited is authorised and regulated by the Financial Conduct Authority, Reg No: 458880. Registered in England and Wales Reg No: 05919877. Gemini Wealth Management Limited is part of the Gemini Wealth Group Limited VAT Number 437805380. This website is intended for consumers based in the UK.

The Financial Ombudsman Service is available to resolve complaints that clients and financial services businesses cannot settle themselves. For more information, please visit the FOS website www.financial-ombudsman.org.uk