Approaching later life
Later life heralds a new set of challenges.
As your retirement advances, we will help you plan for your changing life needs, ensuring your arrangements allow for flexibility as well as continuing to deliver security.
You will undoubtedly want to know that as your lifestyle and health needs change, so your finances will be able to support you. Our meetings will therefore focus on ensuring your plans are robust and your future financial wellbeing and comfort is safeguarded.
We will also help you gain peace of mind by addressing your legacy aspirations, meaning that your wealth can be preserved for those you love and transferred in a tax-efficient way at a time of your choosing.
We see our role as empowering and enabling you to achieve optimal outcomes in your later life, whatever that means for you.
Peace of mind for you and your family
Richard Hitchell is a SOLLA (Society of Later Life Advisers) accredited adviser. The Later Life Adviser Accreditation (LLAA) is considered a gold standard for independent recognition of an advisers knowledge and advice skills.
Full accreditation of SOLLA demonstrates a high level of technical knowledge and evidence of good working knowledge and understanding of the needs, capacity and financial issues of those seeking later life advice. As part of receipt of the accreditation, advisers need to demonstrate excellent interpersonal and communication skills, and the ability to explain complex issues in a way clients can easily understand.
SOLLA accreditation is widely accepted as the industry standard of excellence for those advising on later life care and equity release.
Equity Release – This form of lending is most suitable for those over 65, however, it’s possible to do this if you are over 55. It is important to understand that these are lifetime mortgages and to understand their features and risks, you will need to have a personalised illustration.
Vulnerable Clients Policy
We believe that as a business that we should have a dedicated policy in place to ensure that clients needing extra care are afforded appropriate protection by the use of training, adequate policies and other control/oversight mechanisms.
LONG TERM PLANNING
"Richard has helped me by being a reassuring and professional presence. He is always available if I need further help or advice."
Carol L, Kent, Verified Vouchedfor client review, April 2023
Read more of our client reviews here
Our work together will help you answer questions such as:
How will I pay for care if I need it?
Will my savings and investments support me in my current lifestyle for as long as I want?
Do I need to review or adjust my retirement income arrangements?
Should I gift money to my children/grandchildren now or leave it in my will?
How can I ensure my family aren’t left with a large IHT bill?
Should I make a Lasting Power of Attorney?
Your partner in financial success
We’ve been providing expert financial advice for more than 45 years. Why have we been so successful?
We like to think we’re more than just top-notch financial planners; we’re relationship builders too. As a family-run practice, we’re proud of the trusted relationships we’ve built and the professional, friendly advisory service we’ve provided to our clients since 1978.
If you’d like to find out how we can help you and your business, use the contact form below.