financial advisor for retirees
Enjoying RetirementIndependent financial advisor for retirees to make sure your money lasts as long as you need it to. Advice on turning your pensions and investments into a reliable income, without running out or overpaying tax.
The Problem your facingHave You Ever Thought To Yourself?
Will my money actually last as long as I do?
Am I taking too much out, or too little, without really knowing?
Now that interest rates have changed what should I do?
Is tax quietly taking more of my income than it should?
What happens to my income if I'm ill, or if something happens to me?
Is my "safe" money actually losing value once you account for inflation?
These questions tend to surface once the regular paycheque stops and the numbers become real instead of theoretical. That's a difficult time to be figuring it out for the first time.
Get this stage wrong and the consequences aren't always immediate, they're slow. Withdrawing too much too soon can leave you short later in retirement, when there's little left to do about it. Paying no attention to tax can mean handing over thousands you didn't need to. And having no protection in place at this stage can leave a spouse or partner in a far more difficult position than necessary, at the worst possible time.
You Built It. Now Let's Make It Last.
This is the stage most people aren't prepared for. You've spent decades building your pensions and wealth, and now the question changes completely: how do you turn that into an income that lasts, without giving away more than you have to in tax? This is exactly where the planning shifts from saving to spending, deliberately and sustainably. We provide financial advisor for retirees to move with the shift.
What This Stage InvolvesFrom Saving to Spending, Without the Guesswork
Once your pensions are consolidated and your wealth is working together, the next question is how it pays you.
Protecting Your Income and Your Family
Retirement doesn't remove the need for protection, it changes what needs covering. Whether that's making sure a partner isn't left short, or that later-life cover is in place, we make sure your income plan doesn't have a gap in it.
Drawing an Income From Your Pensions
Planning for the decumulation phase, drawing an income through drawdown or other options, is the natural next step once your pensions are in order. Getting the groundwork right earlier makes this stage far simpler when it arrives.
Managing Wealth for Income, Not Just Growth
The strategy that grew your wealth isn't always the one that should generate your income. We adjust the approach so your investments support the lifestyle you actually want in retirement.
What we doAdvice on How Much You Can Actually Afford to Take
As an independent retirement income adviser in London, we work out how much you can sustainably withdraw and how to do it tax-efficiently, so you get the income you need without running your pot down faster than it should, or handing more to tax than necessary. If you’re seeking a financial advisor for retirees, book an initial chat with us today.
Your Financial Planner
Sam Pemberton
Founder, Candor Rubra Financial Ltd
Our processA Clear Process, Start to Finish
Working out how to draw an income from what you've built shouldn't feel like guesswork. We keep it structured and clear.
Book An Initial chat
A relaxed, zero-obligation conversation to talk through what income you need and what retirement looks like day to day.
01 Assessment
We review your pensions and wealth to see what's realistically sustainable.
02 Recommendations
You get a clear income strategy, covering drawdown and tax efficiency, explained plainly.
03 Ongoing Reviews & Support
We check in regularly to make sure the plan keeps pace with your life and the markets.
04 Get in contactLet's Help You Feel Relaxed About Retirement
Book a free, no-obligation chat with a financial planning adviser in London about turning what you've built into a sustainable income.
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No. Decisions about how much to withdraw, when, and from where still make a real difference to how long your money lasts and how much tax you pay. It's not too late, it's just a different kind of planning than before.
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Guidance from a provider is general, and it's not going to look at your full picture, other pensions, your spouse's position, or your actual tax situation. Advice is personal to you and takes everything into account, not just the pot it happens to sit in.
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Maybe you are. But "managing" and "optimised" aren't the same thing. Most people withdrawing without advice are either taking more risk with running out than they realise, or paying more tax than they need to, often both. It's worth knowing which one applies to you.