Our process

Becoming a client of Retirement and Investment Solutions couldn't be easier!

First Step - Initial Meeting and Discussion

Come to our office and find out what we can do for you. You will learn in one short meeting how our retirement and investment planning services can help you make the most of your money.

The first step therefore is for you to make contact with us, so that we can arrange a meeting at a mutually convenient time and place.

You can do this by phoning us, by e-mailing us, by writing to us,or by visiting our offices (see our Contact page).

Following our first meeting, if you decide to engage our services, we will carry out any necessary research and prepare formal recommendations.

 

Second Step - Presentation Meeting

We will then arrange a further meeting to present and explain our written recommmendations and answer any questions that you may have.

If, as a result of this presentation meeting, further research and/or recommendations are necessary we will advise you at that time.

 

Third Step - Implementation

We will then discuss and agree with you a course of action, which of our retirement and investment planning services are suitable and proceed to implement any or all of the recommendations.

investment planning services

investment planning services

Investments for over 50s

Retirement and Investment Solutions have a long and successful history managing profitable investment portfolios for over 50s.

We tailor our advice and recommendations to your personal circumstances, ensuring that your investments work for you and your needs.

Our tried and tested ‘10 Golden Rules’ ensure your investments meet your objectives.

1. Buying what’s right for you.
Just because an investment works well for one client does not mean it is right for you. We consider your own situation – future liabilities, investment goals and, appetite for risk – before making recommendations.

2. Diversity.
We spread your risk by diversifying your portfolio across a mixture of asset classes, industry sectors and areas of the world.

3. Invest for the long-term.
We target your portfolio at quality companies and funds and allow them the time and space they need to grow, reducing risk and unnecessary costs.

4. If an investment has risen substantially, take another look.
‘When your investment doubles, sell half’ is a sensible rule of thumb. We are never ashamed to take a profit.

5. Never buy what you don’t understand.
If we don’t understand exactly what a company does or how a fund works, we steer clear.

6. Know when to say goodbye.
If a holding has performed particularly badly relative to its peers, we consider cutting our losses and reinvesting the proceeds into a quality alternative.

7. Don’t get emotionally attached.
We look at every existing investment with the same clear-headed objectivity as we did before recommending it.

8. Don’t follow the herd.
It is hard to go against the flow but we always take a step back and think not just about what we are recommending, but why.

9. Review your portfolio regularly.
We regularly review your portfolio to make sure it is still right for you.

10.Don’t believe everything you read!
We don’t get caught up in the TV and newspaper headlines. We keep a clear head and remain focussed on your objectives.

If this sounds like an approach you’d like to take advantage of, contact us today to arrange a free no-obligation investment review.  Call us on 01489 878300 or email This email address is being protected from spambots. You need JavaScript enabled to view it.

investment planning services

Pension Planning for over 50s

Retirement and Investment Solutions tailor their retirement planning advice for the THREE PHASES of pension saving:

1st Phase - Accumulation

Many of our clients have come to us before retirement with an array of different pensions, savings and investments that they have accumulated in their working life.

The aim of these plans is to provide an income in retirement and the more you have in these pots the better your financial security will be.

Retirement and Investment Solutions can tell you what your pot is likely to be and what you can do to improve it.

There are four main factors that affect how much you have:

1.    Amount of money going in
2.    Time until retirement
3.    Investment growth
4.    Charges


If you aren’t able to continue adding to the pots here are a few ideas that can help to improve what you have:

  • Don’t put all your eggs in one basket – different types of investments and assets will perform better than others at any given time and over any given timescale.

  • Be aware of charges – charges are a drag on your pot and you should make sure that you are not paying over the top for charges – it’s no good having a reasonable investment if the charges are so high that they wipe out most of the growth.

  • Don’t ignore tax – some investments have significant tax advantages over others so make sure you are making full use of these.

  • Review your strategy regularly and take account of changing investment and economic conditions – nothing stays the same forever and what might have seemed ideal 5 years ago may now be losing you money.


2nd Phase - At Retirement

So the big day has arrived and you have amassed this huge pot.  At this stage it is absolutely critical that you do not rush into decisions and that you get good solid financial advice.

Keep in mind that you and your partner may be relying on this retirement pot and the income from it for 20 or 30 years or even longer.

Options:

  • Possibly take a tax free cash sum

  • Purchase an annuity that will provide you with a guaranteed income for life

  • Purchase a fixed term annuity and periodically review your options

  • Use the whole of your fund on day one or take benefits from it gradually over a period of time, perhaps years.

Which option is best for you will depend on your circumstances and requirements at the time and, of course, these may change during retirement so you may need ongoing flexibility to change options.

Don’t forget your partner – which option you take up will also have a huge impact on what they will receive in the event of your death.


3rd Phase -  Decumulation

If there is one important point that Retirement Investment Solutions have learned during their years of advising Retirees is that the need for income in retirement will not be uniform and you will need much more at certain times and much less at other times.

So we help our clients to work out their own pattern based on retirement plans, health and whether they plan to continue working in some capacity.

investment planning services

Ongoing service

We believe that:

  • an ongoing partnership offers you, the client, the very best opportunity of achieving your financial goals and objectives.
  • only a long term and ongoing relationship can offer the peace of mind of knowing that your financial arrangements are in experienced hands and are being managed on a proactive basis.
  • such a relationship offers support for your family.
  • complex financial arrangements such as pensions and investment solutions should be kept under regular review and be reactive to changing personal circumstances, investment conditions and legislation.

With these thoughts in mind we have developed our Client Service which offers the following features:

  • An annual meeting and review for required pension and investment solutions.
  • A dedicated adviser who will retain all responsibility for any and all of the services that the firm may provide.
  • Leadership, knowledge and ideas.
  • Your dedicated adviser will keep your arrangements under review and ensure that your financial affairs are managed to offer the best opportunity of achieving your goals.
  • Access and introductions to specialist services such as will writing, probate, trust and estate planning on competitive terms.*
  • Secure document storage facilities.
  • All telephone calls will be returned within three hours during normal office hours.
  • All correspondence will be acknowledged within 48 hours of receipt.
  • All e-mails replied to within 24 hours.
  • Priority treatment.

*The Financial Conduct Authority does not regulate Will writing, probate, trust or estate planning

investment planning services

Additional services

 

Dedicated Adviser:

How often do you actually get to speak to the same person twice when you are dealing with the bank or building society?

The ongoing relationship with your own dedicated adviser will allow you to get on with your life while your adviser works on your behalf, identifying opportunities and providing ideas. In short, looking after your financial well being.

Future Support for Dependants

Will your family have the time or experience to sort out your affairs when you are not there?

Details of all of your financial affairs would be held in one place with one contact to deal with when you are not there.

Document Management

Are you swamped by reams of paper and unsure about what genuinely needs to be kept?

We will establish a document management system to make sure you only retain what is necessary.

Wills, Trusts and Probate*

A legal mine field, expensive solicitors, not sure where to turn?

We will ensure your money gets to the right people at the earliest opportunity, with access to specialists carefully researched and carrying our full endorsement to give you complete confidence.

Accountancy Services

Need some help and reassurance dealing with the tax man?

We can offer access to accountancy services, which are tried and tested, for help when dealing with the Inland Revenue, including completion of Self Assessment forms.

Leadership, Knowledge and Ideas

Ever read the financial press and been left wondering which way to go?

We will both identify opportunities and ensure you do not lose sleep over regulatory, tax or other monetary charges that affect you.

 

 

*The Financial Conduct Authority does not regulate Will writing, probate, trust or estate planning

investment planning services

Bookmark This

Testimonials

RIS Tweets

Chancellor George Osborne sets date for next Budget https://t.co/IQYPKD5Rh0 https://t.co/EYAqyzRfAf
'Degree needed' to fathom financial small print https://t.co/WFVSUdgUO1 https://t.co/bpNyPQ7Nnd
Older borrowers may be offered mortgages into their 80s and 90s https://t.co/XkPykV0TUR https://t.co/AqKZwmxMRO

Contact us

Retirement and Investment Solutions
5 Lancer House, Hussar Court
Waterlooville
Hampshire, PO7 7SE

T: 01489 878300
F: 0870 0104883
E: advice@retirementis.co.uk