Welcome

At Retirement and Investment Solutions our aim is to make sense of the pensions, savings and investments that you have accumulated in your lifetime and to help you with the three phases of retirement planning:

From our offices in Waterlooville, Hampshire, we focus all our energy into supporting the over 50s, so we can provide you with proactive investment advice at the right time in your life, so you can take your retirement seriously and make this the most exciting time of your life.

Whatever your retirement dilemma, we can offer you the pension advice and solutions you need, giving you peace of mind, security and the opportunity to enjoy your retirement to the full when the time is right.

Call us today on 01489 878300 or click here and we will contact you.

Client Benefits

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 continuing 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 other investment for retirement 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
  • A dedicated adviser who will retain all responsibility for any and all of the services that we 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.

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How we are paid

The first meeting is always at our expense so that you can be comfortable in knowing that it will cost you nothing to see if our services are right for you.

As a result of that first meeting if you believe that our services can be of benefit to you and you are happy to work with us then we will agree the next steps with you and agree a fee for the work that we will be undertaking on your behalf.

The amount of the fee will depend on exactly what is involved but we will always:

  • Quote a fee and agree it with you in advance of you incurring any costs.
  • Guarantee that fee – it will not increase even if we have underestimated the work that will be undertaking for you.
  • You are not committed to any other fees or costs.

We will invoice you for this fee in advance of any work being undertaken.

The result of our work on your behalf maybe that we recommend a new service, product or provider to you – if we do then we will agree a fee with you to arrange and implement that recommendation.

The fees to arrange and implement a new service or product start at £300 and will depend on theservice or product.  Full details are contained within the Terms and Conditions of Business document that we will provide you with at our first meeting.

However, although the fee may vary, it will follow our underlying philosophy on fees which is:

  • To be clear and simple at all times – our fee structure is uncomplicated and easy to quantify.
  • To offer value for money – we believe that our fees are competitive when compared to other advisers for similar services and products.
  • To be impartial and independent of provider, product or service.

You can pay any fee to arrange or implement a new service or product direct to us from your own resources or it may be possible to facilitate the payment of this fee to us from the product or service itself.

 

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On a wet and windy Wednesday night, the RIS team ventured out with much bravado and enthusiasm to conquer the Sir Joseph Paxton’s Pub Quiz!!

After some drinks to calm the nerves and some yummy pub food to stimulate the brain cells we settled in a team of 9, yes 9, to get ready to win!!

Sun Life of Canada have recently commissioned a study on the retirement needs of the mass affluent “Sense Check at 60”.

The report explores how well prepared this group of people are for retirement and how much planning they’ve put into their retirement. It examines the nature of risk in retirement and defines the key risks people face managing their pension savings.

Here are some of the key findings from the report:

• Almost half (49%) expect to generate between £20,000 – £40,000 from their pension and other savings (21% expect an income of over £50,000).

• Yet 59% of respondents have less than £300K and 33% less than £200K saved. So their expectations of likely income from their pension savings are unrealistic.

• Around 4 in 10 people in our survey expect to work after retirement (another 19% are undecided).

• Three quarters of our survey believe retirement planning is more complex these days and 65% agreed that financial services companies need to help remove the fear around it.

• Almost 70% had seen an adviser in the last two years – but of those who hadn’t nearly 1 in 5 cited a lack of trust as the reason

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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