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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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Retirement Planning

Saving today for a wealthier retirement. 

With so many of us living far longer than our ancestors ever expected to, it’s possible that a lot of people will live longer in retirement than they ever spent working; and with the long term future of the State Old Age Pension Scheme looking increasingly uncertain, our view is that planning for your retirement is one of the most important things you can do with your money. At English Mutual, we believe that your retirement date is not merely the date that you finish work. It is the date when somebody else stops paying you and you start paying yourself. The success of your retirement planning will dictate how much you will receive each month and, just as importantly, for how long.

However, having a pension scheme in place, whether it’s your own, provided by your employer, or a combination of the two, is only the beginning. We take the view that effective retirement planning is not a blinkered, one step process but combines all facets of our expertise and includes protection, savings, investment planning, property planning, medical insurance, annuity purchase, estate planning and, of course, pension planning.

The amounts of money one needs to contribute towards retirement can sometimes seem daunting, impossible even, and success requires holistic, continuous, focused and regularly reviewed financial planning; often from the day you start work. But all of this must be tempered with the requirements of the 'here and now’. Balance between the enjoyment of the present and planning for the future must always be found.

Our Wealth Managers and Financial Planners are able to guide you on choosing a retirement saving plan to meet your individual needs, holding your hand through the wide array of avenues and structures available, from the straight-forward to the sophisticated.

We have the technical skills to be able to provide a comprehensive review service for any existing pension arrangements you hold as well, so you can be sure that all of your retirement savings are working efficiently, and that you are not suffering as a result of either charging or inappropriate asset allocation based on an unsuitable exposure to risk.

To discuss your retirement planning in detail click here to arrange 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.