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English Mutual Ltd
Head Office
22 The Tything
Worcester
WR1 1HD.
Tel: 0845 603 3679
Fax: 01905 613222

worcester@englishmutual.com

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Continuing Advice for the Retired and Elderly

Retirement is when you stop living at work and begin working at living.

The need for good, sound and sensible financial planning never really goes away.

Having spent a working lifetime saving, buying houses, selling houses and raising a family, the moment finally arrives; the moment when it is time to contemplate retirement. The next great chapter; an opportunity to do the things, visit the places, and enjoy the life that you always wanted to.

Retirement brings great change and great change requires planning. At English Mutual, we believe that the well timed delivery of empathetic, tailored and continuing financial guidance is key to the enjoyment of a long, happy and fulfilling retirement.

With so many of us now living well into old age, indeed, in some cases, living longer in retirement than in employment, financial security is vital. Financial security backed up, not only by access to secure, appropriately invested capital and the guarantee of a sustainable long-term income, but also by a network of suitably qualified and caring Financial Planners who are able to listen, act and provide flexible solutions needed throughout the on-going changes and challenges facing people in their later years.

For everyone wants to look after themselves; it is something that we relish from an early age, valuing our independence, our ability to determine our actions and to make our own decisions.

However, the time may come where this is sadly no longer possible, where we may increasingly need the support of others; people we can trust and upon whom we can rely, whether that be in the comfort of our own homes or in accommodation provided by others.

When difficult decisions have to be made, it is important to have all the facts at your disposal to enable you to plan what’s best for both you and your loved ones.

English Mutual specialist C.A.R.E (Continuing Advice for the Retired and Elderly) Financial Planners can help provide that required security; offering guidance when it is needed most and helping to ensure that the right decisions are made at the right time. Giving guidance and delivering solutions without pressure, providing answers that are clear and easily understood and comfort when necessary.

The need for good, sound and sensible financial planning never really goes away.

If anything, the need becomes greater.

To discuss your post-retirement and long term care fee planning needs in detail click here to make an appointment with an English Mutual Financial Planner.

English Mutual Limited is an appointed representative of Sanlam Private Wealth UK Limited (which is authorised and regulated by the Financial Conduct Authority). English Mutual Limited and Sanlam Private Wealth UK Limited are both members of the Sanlam Group. Registered office: St. Bartholomew's House, Lewins Mead, Bristol, BS1 2NH, United Kingdom. Registered in England and Wales 3879955. English Mutual is a restricted financial advice firm, by which we mean that our recommendations will be restricted to the products and services of Sanlam where possible. In cases whereby Sanlam is unable to meet a client’s financial needs (for example where Sanlam does not offer a particular product), we will recommend an appropriate solution from the whole of the market.

Your home may be repossessed if you do not keep up repayments on your mortgage. A typical mortgage advice fee of £295 may be charged.The Financial Conduct Authority does not regulate Taxation Advice, Estate Planning, and some forms of mortgages. Equity release schemes can be very helpful but are not suitable for everyone. It is important to understand the risks and to understand the cost, the level of flexibility (if you might want to move home) and the possible impact on future state benefits. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration. Equity release schemes are high-risk products and you should take advice before you make any decision about whether to use them. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.