When it comes to retirement transition planning for your 50-something people, judicious planning has never been more appropriate. Why? Although working people in the UK aged 55 to 64 are on the countdown to retirement, 30% still have outstanding mortgages, 17% have unsecured debts, 26% have savings of less than £500 and 43% are not saving anything each month*.
Oval At Retirement, part of Oval Financial Services, is one of the UK’s leading retirement transition advisors. Retirement transition is an extension of our financial planning DNA - where we are already helping people integrate pensions into their personal, long-term financial thinking. That’s why we’re well placed to help you make the right financial moves that maximise pensions and other assets in the crucial period ahead of retirement.
We address the cultural changes that help people connect with their near future financial needs, using proven engagement processes that create flexible, affordable options for all types of lifestyle. We also help employers and employees optimise pension benefits cost effectively across Defined Benefit and Defined Contribution pensions. We deploy a blend of clear communication and bespoke counselling with lifestyling advice, planning and annuity scheduling for pre-retirees - plus succession and exit planning for business directors and shareholders. The era of the ‘golden goodbye’ and guaranteed final salary pension at 60 or 65 is over. We understand it’s now all about balancing the complex range of personal options and implications so that you can make the right choices ahead of retirement.
Built on a strong service ethic, national coverage, tailored service and high calibre professional expertise, we are the retirement transition partner of choice for individuals and enterprises across the country. For us, it’s all about engaging positively, clearly and innovatively to find the personal solutions that help give people informed financial control as the next phase of their lives approaches.
As financial planners, we understand what is valuable to the individual. There’s much that you – and the right regulated partner – can do to help improve your prospects over those vital last few working miles. Come and talk to Oval At Retirement.
If you’d like to discuss how we can help employers and employees enhance retirement transition management, then contact David Bremner on 01412 427 863 or email david.bremner@theovalgroup.com.
Oval FS offers advice and recommendations to our clients for the most appropriate investment solution to match their needs. To support this, we have a team of staff in place (as part of our in-house governance and risk assessment disciplines) which provides a guidance and oversight function for our investment strategies across all our Specialisms and for both our face-to-face and our direct delivery propositions.
For more details please visit the Oval Investment Committee.
* Aviva Real Retirement Report – Spring 2012.
On 1st March 2011 the European Court of Justice ruled that insurers using gender as a risk factor in ways which resulted in individual differences in benefits for men and women would no longer be permitted. To comply with this ruling HMRC have announced that providers must use the same rates for males and females. Download
Gone are the days of relative pension predictability. Today, needs and circumstance are more fluid than ever. We outline our new, innovative approach for fiftysomethings. Download
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