A good Retirement needs good Financial and Lifestyle Planning.

As a long established Independent Financial Adviser Chantler Kent Investments are ideally placed to help you plan your retirement.

Our friendly and highly qualified team will work with you to develop a plan that achieves your objectives and makes the most of the assets you have.

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PLANNING THE LONGEST HOLIDAY OF YOUR LIFE

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.

There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement. 

 The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you can make with your pensions. 

Some decisions you take for your retirement may be permanent, for example, if you decide to buy an annuity. Others, like the investment of a retirement lump sum, may need to be regularly reviewed. 

 Making the right investment choices at retirement is so important that you owe it to yourself and your family to take planning seriously. It is best to start long before your intended retirement date, because gathering all the relevant information and weighing the various options can be a slow process

 The scope for drawing pension benefits has changed significantly in the past few years, giving greater flexibility and a correspondingly increased need for advice.

What type of Pension do you have?

Defined Contribution (DC)

A defined contribution (DC) pension will typically be either a scheme set up by or on behalf of an employer, or a personal or stakeholder pension you set up yourself. The DC scheme has a fund, 25% of which you can draw as a taxfree lump sum. The remainder is taxable, whether taken as income or as further lump sums

Defined Benefit (DB)

A defined benefit (DB) scheme offered by an employer (past or present) will provide you with a pension that is based on your earnings and how long you have worked for the relevant employer. It could also pay you a tax-free lump sum, usually in return for a reduced pension. DB schemes used to be widespread, but spiralling costs have led to many schemes being closed and replaced with DC schemes.

These two different pension types generally offer very different levels of flexibility. Within a DB scheme, you may have just one simple choice to make: do you want to exchange some of your taxable pension for tax-free cash? You may not be able to defer taking your benefits if you have stopped work and reached the scheme’s retirement age. If you are below that age, you have more options, including the possibility (mainly outside the public sector) of a transfer to a DC pension. Spiralling costs have led to many schemes being closed and replaced with DC schemes.

These two different pension types generally offer very different levels of flexibility. Within a DB scheme, you may have just one simple choice to make.

Chantler Kent Advisors

Work through all the Factors that
will Help YOU

Our goal is to provide our clients with a bespoke, friendly service which meets their financial goals and allows them to have control  of their finances now and in  the future.

1993

Chantler Kent Investments is a long established Independent Financial Advisory business

AWARDS

Chantler Kent Investments were recently awarded with a top 30 place on the Financial Times top 100 UK IFA’s listing

£280M

Under Management

Through our tailored portfolio service we provide a unique investment proposition  

Some of the things our team can help you with:

  • Understanding your pension options
  • Making the most of your tax allowances
  • Consolidating your pensions
  • Advice on transferring your pensions
  • Cashflow modelling in retirement
  • Investment strategy advice

PLANNING ISSUES AT RETIREMENT 

Planning at the point of retirement can be more complicated than sorting out your finances at other times:

  •  Your investment goals, both for your pensions and other assets, may be evolving, with the emphasis moving from growth to income.
  •  Your attitude to investment risk and ability to absorb losses will probably change once you have no earnings with which to cover any investment losses.
  •  Your marginal rate of tax could fall when you stop work, as your full-time earnings come to a halt.
  •  You may not be certain about the level of your future income if, for example, you are planning to undertake some part-time consultancy work.
  •  You may want to pay more attention to inheritance planning than you have before. 
  •  Your spending patterns are likely to change with no travel to work, and more leisure. 

Some of the things our team can help you with:

  • Understanding your pension options
  • Making the most of your tax allowances
  • Consolidating your pensions
  • Advice on transferring your pensions
  • Cashflow modelling in retirement
  • Investment strategy advice

PLANNING ISSUES AT RETIREMENT 

Planning at the point of retirement can be more complicated than sorting out your finances at other times:

  •  Your investment goals, both for your pensions and other assets, may be evolving, with the emphasis moving from growth to income.
  •  Your attitude to investment risk and ability to absorb losses will probably change once you have no earnings with which to cover any investment losses.
  •  Your marginal rate of tax could fall when you stop work, as your full-time earnings come to a halt.
  •  You may not be certain about the level of your future income if, for example, you are planning to undertake some part-time consultancy work.
  •  You may want to pay more attention to inheritance planning than you have before. 
  •  Your spending patterns are likely to change with no travel to work, and more leisure. 

Mission Statement

Our mission is to always treat our clients fairly, creating long term relationships of trust and mutual respect

www.chantlerkent.co.uk

Address

Our Office

Chantler Kent Investments
2 Roberts Mews
High Street
Orpington
Kent BR6 0JP

Contact

Get In Touch

If you would like to discuss your finances, then please call us on 01689 607007. Alternatively, you can email us on info@cki.london or use the online form above.

Mission Statement

Our mission is to always treat our clients fairly, creating long term relationships of trust and mutual respect

www.chantlerkent.co.uk