Henry Ford was spot on, but whether you are self-employed,

or a company director, where does that leave you?

How do you as a business owner find the time to attend

to your personal well being? Unless you plan, the reality

of retirement will suddenly hit you one day and you will

have made little if any preparation. Pension advice is

essential as it is just so easy to make expensive mistakes.

We can:

• show you what you need to do to be able

              to exit from the business in comfort.

      

•  show you what you need to do to bring

              your retirement age forward.

 

•  show you how much you need to sell

               your business for so that you can retire 

 

• possibly show you that you can afford to

              retire or ease off NOW.

For financial planning to be useful, we first of all need to understand just what money means to all of us. It is simply

a form of exchange to enable us to buy what we need when 

we want it. Once you have enough to buy all you will ever need, you have enough- it's that simple. We will work with

you to determine just what is "enough". This amount is very personal to you and will depend on what you value and wish

to be able to afford for the rest  of your days. It might be

three or four holidays a year, regular golf, sailing, trips to

the children in Australia, a holiday property - the list is

endless but so very personal.

Once you have identified what you value in life and wish

to enjoy throughout the rest of your days, we can cost out

that lifestyle, taking account of assumed investment

returns and rates of inflation, sources of capital and

income, and show you what needs to be done to secure 

your preferred lifestyle by structured exit planning.

This is a true financial planning service, not driven by

selling commission paying products, but if commission

does become available, it is treated as belonging to you.

You should have a personal financial plan just as you have a business plan otherwise your future security becomes very much a gamble. However, finding the time to plan your own financial future is almost impossible. Many business owners consider having to attend to personal issues as a burden on the business.

• What if my co-shareholder/partner was to die?
• What if I was to die - will my family lose everything?
• How much income do I need to retire on?
• What does that mean in terms of capital?
• When can I cut back my hours?
• What should be my exit planning strategy?
• How much do I need to sell the business for?
• Is my pension fund invested properly?
• Will a SIPP benefit me?
• Do I need an annuity or unsecured pension when I    retire? Or perhaps phased retirement. Or a combination.
• Should my investment strategy change, depending on which I am likely to chose? 

Imagine yourself as your family Managing Director. You know the lifestyle you want to preserve now and enjoy in retirement but you need someone to draw up the plan, implement and monitor it, feeding back to you at regular intervals. I act as

your own personal Finance Director, producing cash flow projections and identifying what needs to be done to keep

your plans on track. Regular reviews also take into account your inevitably changing circumstances and aspirations.

If you are self-employed or a company director wanting to plan a comfortable retirement or comfortable early retirement, pick up the telephone or contact me now for a free meeting

.

You have nothing to lose and possibly plenty to gain. There

is a Service Standard Guarantee which ensures that you receive value for money.

Ian Pealin CFP