Investment Services
Retirement
“Will I run out of money?” In a fast-changing pension environment, it is essential to review your arrangements regularly.
Pension Planning
Understand what your pensions will actually provide
Carlile Alexander Private Wealth’s pension planning service helps you better understand your current pension arrangements and forecast how much income they are likely to provide.
We use sophisticated cash-flow modelling and shortfall analysis to review your pensions properly, and to recommend what changes might be needed to ensure you have sufficient income throughout retirement.
From April 2027 pensions will suffer inheritance tax as the value moves down your family tree. This changes the role of a pension in the long-term structuring of assets and succession planning.
Cashflow Planning
The importance of cashflow planning for a happy retirement
Cashflow planning is a cornerstone of a secure and happy retirement. Unlike the working years, where regular pay cheques provide a predictable income, retirement often relies on a combination of savings, investments and pensions.
Resources aligned to your goals
Your resources are matched to both immediate needs and long-term ambitions, giving you the confidence to enjoy retirement without financial stress.
Income and expenditure forecast
You can maintain a sustainable lifestyle, account for inflation, and prepare for unexpected costs such as medical emergencies.
Spend with confidence
Planning lets you focus on what matters, time with loved ones, hobbies and travel, without constantly worrying about running out of money.
Seeing your plan, not just your numbers
A picture is often clearer than a spreadsheet. Cashflow planning turns your pensions, savings and investments into a single visual forecast, so you can see at a glance how long your resources could last and what changing course might mean for the life you want in retirement.
The below is a fictional example of a client forecast and the visuals that this can provide. The forecast is a workable tool that you and your wealth manager can update and use in your meetings to make the most important decisions for you and your family.
