Fundamental to an enjoyable and sustainable retirement it to be absolutely clear and confident that you have a sufficient portfolio of Pension and Personal assets to provide income for your retirement years and have the mindset of financial freedom.

In Compass Private Wealth, we are absolutely passionate about working with clients in advising them in the transition to Retirement.

The 3 years prior to your Target Retirement Date is probably the most important period for holistic financial planning in order to prepare for the shift of moving from relying on ‘earned income’ to ‘passive income’.

Making decisions such as maximising Pension Contributions in advance of retirement can be highly effective in building a more sustained pension pot

For many, an Approved Retirement Fund (ARF) forms a fundamental role in generating Income in Retirement. Ensuring that your ARF is appropriately managed from a risk, investment selection and cost point of view is very important. At Compass Private Wealth, we specialise in establishing and managing ARFs and ensuring the clients consider their ARF Allocation in the context of their wider funds.

Most people in Retirement may be in a Cashflow Deficit position. However, if they have sufficient capital built up in Pension Funds, Investment Portfolios and / or Savings, then this can be manageable.

We work with our Clients in mapping out their Cashflow Journey in Retirement and to ensure that they have as much clarity and comfort as possible as to their retirement finances.