The focus of all pre-Retirement planning is to ensure you accumulate sufficient wealth to enjoy a long and prosperous retirement.

This process commences with an analysis of your retirement needs.  How much will you need to live on?  Where will that income come from - pensions, investments, the State?  For many, it will be a combination of all three.

Having established your needs any gaps must be filled, do you need to save more (if so, how?), take more or less investment risk, or move the goalposts?  

Having a coherant investment strategy for retirement is key and as you near retirement a different, lower risk, strategy may be required as you begin comptemplating the array of options available to you.

As with all planning, the earlier (younger) you start, the better chance of achieving your goal.  But don't dispair, even if you have only a few years left before retirement we can still help, it's all part of our Private Client Service.