Call us on 01202 622223 for a no obligation consultation
Call us on 01202 622223 for a no obligation consultation

Retirement planning is about making sure that you have enough money to live on when you retire.

But most people want to thrive and not just survive, so building a retirement fund should be one of life’s major goals.

Let’s be clear, this is not just about pensions, it is about building, storing and preserving wealth for the future.

At Apex CB Financial Planning we offer specialist retirement planning advice. We can help you to identify your goals and we will encourage you to spend time with us building a lifetime cash-flow model. This shows when you will need money and how much, and helps you to work out how much you need to save.


Pension Freedoms

You may have heard about how you can flexibly access a pension in retirement. Our video explains how this works


Planning for retirement?

Pensions are one of the most tax-efficient long-term savings vehicles, but also probably the least well understood. The government offers a number of “tax breaks” to encourage people to save to be self-reliant in retirement:

      • Your savings are increased by a rebate of Income Tax (known as “tax relief”)
      • If you pay higher rate (40%) tax, or additional rate (45%) tax, you get the higher rate refunded
      • You won’t pay any capital gains tax on your investment growth
      • When you retire you can take 25% of the fund tax free
      • You can draw the rest any time after 55 flexibly, but subject to income tax
      • You still have the option to buy a guaranteed income using an annuity
      • After your death the rest of the pot can go to your spouse or children

So how much should you aim to save for retirement? We can help you calculate how much you need to live a comfortable and secure future, and then create a plan tailored to what you are able to afford.


But my property/business is my pension?

Some people think that their business will provide a pension in retirement, but what happens if you retire in a recession?

Others buy properties to rent out and create an income stream this way. This works for many people because they understand property and can see the asset there each time they drive past it.

Between 1997 and 2017 property had a long steady period of growth in the UK. However property is subject to cycles just like everything else. Compared with pensions and other savings vehicles, investing in property has other downsides too:

      • Every year you need to budget for general maintenance, and every 5-10 years for more major refurbishment
      • Buying and selling property costs thousands in fees, and all these costs diminish your profits
      • Income from property is taxable the same as other investment income, so you could pay 20%, 40% or even 45% tax on the rent
      • The gain (profit) you make on the capital value is taxable too
      • Property is notoriously illiquid, meaning that you can’t easily make partial withdrawals, and selling can be a long and expensive process

Do you really want to miss out on the flexibility and tax-efficient savings that pension offer?


Retiring soon?

As you approach retirement you will have some important and life-changing decisions to make. We take time to discover your needs and help you make the right choices.

Good financial advice is vital at this time to make sure that you achieve the retirement you deserve.

To find out more call 01202 622223 or contact us using our online enquiry form.

Saving & retirement services


Wealth management

Successful investing can be one of the most difficult but rewarding aspects of managing your money. At Apex CB Financial Planning we’ve been helping our clients in Poole, and across Dorset and Hampshire, to manage their investments for more than 15 years. read more

Tax-free savings

In conjunction with True Potential, Apex CB Financial Planning is able to offer some truly innovative, technology-led savings options. impulseSave® is a first-of-its-kind technology that helps you add money to your investments in an instant. We believe that impulseSave® can change your habits and the way you invest your money for the better. read more

Pension Transfers

For some, transferring a Defined Benefits pension scheme into a personal pension can be the best way to stay in control of your pension benefits, and secure the best deal for you and your family. read more

Sustainable investing

Sustainable Investing for a Better World

Helping clients with successful and sustainable investing and wealth management is what we do. We have a strong belief that successful investing requires a sustainable approach. This is not only good for our world, but leads to better long-term growth of your capital. Research shows that sustainable investing leads to better growth. Companies that meet strict environmental controls are more profitable and more likely to survive. So, we encourage our clients to invest in strategies that have positive impacts on Environmental factors, Social Responsibility and strong corporate Governance (known as ESG or Impact Investing).

Impact investing seeks to generate social impact alongside financial return

This investment often brings together capital and expertise from the public, private and not-for-profit sectors to achieve a social objective. You can make investments into companies, organisations or funds, whether they be not-for-profit or for-profit.

You can also make Social impact investments to finance social services and social infrastructure. In these types of arrangements, payments are normally made based on achieving agreed social outcomes rather than on inputs or activities.

Social impact investing seeks to generate social impact alongside (not instead of) an acceptable rate of financial return for the individual investor.

Impact investing in the long term

A remarkable transformation is underway, reflecting an increasing awareness among businesses of the need to create a more sustainable world. This approach is recognises that investing towards this goal can enhance, not detract from, long-term portfolio returns. This is a significant opportunity for change, irrespective of the political forces that often seem to work in opposition to these interests.

Impact investing encourages a forward-looking view of where the world is heading, with investors essentially buying tomorrow’s leading companies today. It is taking a truly long-term approach to investing.

This focus on long-term value creation requires sustainable business models. Forward-looking companies are aiming to reduce their environmental footprint, reduce their fuel, energy and water consumption and create less waste. Similarly, a company that treats the workforce well improves long-term profitability, while badly-governed companies destroy value. This in turn leads to better growth and profitability.

Today’s consumers increasingly demand that companies act to preserve the environment and combat social problems. The UN Sustainable Development Goals, linked to the most important sustainability challenges that humanity faces, show that firms must therefore work harder than ever before.

In a challenging world, the way companies manage their impacts is integral to how they manage risk. Ultimately, this affects how they make strategic decisions.

The positive impact cycle encompassing a long term vision, sharing value, and investing for future growth leads to long-term value

Our sustainable investment partners

We give you peace of mind to get on with your life without worrying about where your money is invested. We know no-one has a monopoly on talent, so we work with some of the U.K.’s leading managers:

Our reputation as a wealth management company has been built over 240 years thanks to exemplary personal service and our drive to build and preserve the wealth of clients.
Image result for legal & general investment management
Legal & General Investment Management is one of the UK’s largest asset manager, offering investment services across the broad spectrum of asset classes.
LGT Vestra is a partnership between the executive partners and the private banking group LGT, owned by the Princely Family of Liechtenstein. When we set up LGT Vestra in 2008, our aim was to offer a fresh approach to wealth management. 

Whether you are looking for more income, or just seeking better growth, please call on 01202 622223. Alternatively, complete our contact form to request an appointment – free of charge and with no obligation.

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