With 25 years experience in helping clients plan and save for retirement, Panoramic is best placed to advise you as to how to utilise your assets and pension pot with an overall strategy – likely to include portfolio design planning, buy-to-let properties and more.
At retirement this could also include strategies for purchasing an annuity or drawing down an income. We are also able to help you understand and make the most of the new Pension Freedom rules.
Increasingly, people are looking to work beyond their originally selected retirement date, possibly in a reduced capacity. Pension and investment rules allow for this and with help from Panoramic you can maintain a higher overall level of income and take time to plan for your eventual retirement.
Often when business owners sell their business completely they are looking to generate income from the capital following the sale. Panoramic is able to help you plan and make the most of your money in retirement; at such times you may be considering making gifts - for example to help children purchase a property.
It’s important to plan for the future, but it’s also important to look after the present. Making sure funds are in place to protect loved ones should you unexpectedly die is not only important – it’s the right thing to do. In addition provision can be made to protect the estate against the costs of Inheritance Tax by way of putting in provisions to meet the potential liability.
The desire to leave assets and funds to the next generation is good, but an aging population has meant that expensive payments for nursing homes can have a dramatic impact upon estates. Panoramic has advised clients for many years as to how assets can be best used to meet nursing home fees and still be able to pass funds onto future generations.
The process of ‘getting to know you better’ could be sped up if we knew a bit about you in advance. We have created a quick and easy to understand, no-obligation questionnaire. At this moment, it is NOT essential that you complete the questionnaire to work with Panoramic.
An excellent starting point is to review your household expenses as they presently are, and what you expect them to be in the future. Many of us often underestimate both what we actually spend and our future expenditure in retirement. You may like to use our interactive tool to help you do this.
This is a no-obligation initial discussion to help us understand your particular personal circumstances, your current financial landscape, the goals you wish to achieve and your priorities.
We believe in up-front honesty, so early in the journey we’ll explain how we charge for the expert advice we provide.
At this stage there is often cause for reflection. You may decide working with Panoramic is not the right choice for you. We may also feel that we are unable to help you, and we’ll be honest enough to say so. We may be able to give you guidance as to where to seek advice more suiting your needs.
Instruct Panoramic to work on your behalf and we will review amongst other things, details about you and your family, your tax position, your cash-flow and average monthly expenditure, your future plans and your investment goals. We will also help you establish if you’re looking for income or capital growth from your investments.
For those wishing Panoramic to provide guidance and advice on SPECIFIC assets.
As experienced financial advisers we believe it is our responsibility to ensure that you make the right strategic decisions at the most important times of your financial journey. We do this by keeping up-to-date with economic developments and emerging financial trends to make certain your money continues to work as hard as it possibly can. Why not also follow us on LinkedIn and Twitter?
“I want for my clients exactly what I want for myself and my family – to be financially secure because of the good decisions and choices I make. This drives our thinking each and every day”
Private Client - Chelsea
“I first met Gary in 2007 when I was looking for advice on my UK deferred pension as a member of the overseas Coca-Cola company scheme. Gary has also advised myself and my wife on utilising tax-efficient investments as well as specialised investments in start-up businesses. He is now advising my daughter with her first venture into investment planning”