RETIREMENT CONSULTATIONS
Retirement Planning
Plan Your Retirement with Confidence
Retirement is a significant milestone, but achieving a secure and comfortable retirement requires careful planning and informed decisions. Whether you’re just beginning to think about retirement or are looking for ways to maximise your pension or savings as retirement approaches, Prosperous is here to help you plan for a future that aligns with your lifestyle goals.
At Prosperous, we understand that retirement is more than just stepping away from work; it’s about ensuring financial security, protecting your assets, and creating a plan that will provide peace of mind during your golden years.
We're here to help you no matter what retirement journey you are currently on...
Personalised Retirement Planning
Your retirement plan should be as unique as you are. We take the time to understand your financial situation, aspirations, and risk tolerance to build a plan that works for you. Whether it's building up a pension, managing existing savings, or ensuring your future income needs are met, we create a strategy tailored to your needs.
Pension Scheme Options
Navigating pension options can be complex. Our team will guide you through the various schemes available, such as PRSAs (Personal Retirement Savings Accounts), occupational pension plans, or personal pensions. We'll help you identify the best option to maximise your contributions and growth potential.
Maximising Retirement Savings
It's never too early - or too late - to start saving for retirement. We'll work with you to develop a savings strategy that grows over time, incorporating tax-efficient solutions to make the most of your contributions. Whether you’re just starting out or looking to boost your existing savings, we’ll provide the advice you need to ensure you’re on track for a comfortable retirement.
Managing Risks in Retirement
Planning for the long term means preparing for potential risks like inflation, market volatility, or changes in personal circumstances. Our experts will help you manage these risks through diversification strategies and robust financial planning, ensuring your retirement income remains stable and secure.
What's involved in our consultation process?
Initial Consultation
We begin with a thorough understanding of your financial situation, goals, and expectations. This helps us design a retirement plan that reflects your needs and lifestyle preferences.
Pension Review & Strategy
After understanding your current pension contributions and future retirement goals, we will review your options. Whether you’re looking to consolidate pensions, maximise tax reliefs, or find new ways to contribute, we will craft a pension strategy that aligns with your future
Investment Planning
For those interested in growing their wealth during retirement, we also provide investment advice tailored to your retirement timeline and risk profile. This ensures that your assets continue to work for you, even after you retire, and includes minimisation of taxes.
Regular Reviews
Your circumstances may change over time, and so will your retirement needs. That’s why we offer ongoing reviews to ensure your plan remains aligned with your evolving goals.
Frequently Asked Questions
The earlier, the better! However, even if you’re close to retirement, it’s never too late to start planning. We’ll help you make the most of your remaining years to save and secure your future.
We offer advice on a wide range of pension schemes, including PRSAs, occupational pensions, and personal pensions. Our team will help you choose the best option based on your income, age, and financial goals.
This depends on your desired retirement lifestyle, current financial status, and other factors like inflation. During our consultation, we’ll work with you to determine the right amount based on your personal goals.
Managing this risk is part of our retirement planning process. We’ll work with you to structure your savings and investments in a way that ensures you have income for as long as you need it.
We Can Help You With...
Prosperous Financial Planning Limited is authorised under Regulation 30 of the European Union (Consumer Mortgage Credit Agreements) Regulations 2016 to engage in the business of being a Mortgage Credit Intermediary on behalf of the following undertaking(s): Finance Ireland Credit Solutions DAC t/a Finance Ireland, Avantcard DAC t/a Avant Money, Haven Mortgages Ltd, Dilosk t/a ICS Mortgages