Thinking through your objectives

We frequently come across clients whose objectives are laudable but the most obvious means of achieving them are often simply inappropriate for a long retirement.

The most common instance is clients wishing to preserve their pension funds for their spouses or partners or family should they die.

This objective is very understandable, but to meet it very often means taking on a level of risk which is not compatible with the degree of peace of mind that you want through retirement. Frequently you will achieve a better balance by securing your retirement income now, with a conventional annuity involving no investment risk, and distributing any surplus income or capital to your spouse or partner or children and grandchildren during your life.

In a nutshell, by the time you make your final product choice you must have resolved any conflicts between your different objectives, and one of our aims is to help you in this respect, and find the most appropriate (and least costly and least stressful) way to achieve your objectives.

To get the ball (and your grey matter!) rolling, in the appendix is a range of short questions. Use this as an aide memoire, most questions requiring simple 'Yes' and 'No' answers.

I am impressed by the inclusion of the facility for online purchase in the ISA scheme on your websit...
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