Retired people
You’ve grown your wealth.
Now it’s about making smart decisions to protect your lifestyle, support your goals and make your money last.
Why do you need financial advice when you’re in retirement?
Retirement isn’t just the finish line, it’s the start of a new phase in life that needs careful financial management to help you make the most of life after work.
We can help you turn the savings you’ve built into a tax efficient income that helps to deliver the retirement you want, whether that’s a bucket list trip or something closer to home.
We also help you keep one eye on the future, for care costs or passing wealth on to the next generation.
Making the most of what you’ve built
Even in retirement, your money still needs to work for you. We’ll help you:
Structure your retirement income across pensions, ISAs, bonds and the State Pension.
Minimise tax with strategic withdrawals and careful use of allowances.
Manage investment risk as your priorities shift from growth to stability.
Help protect your income from inflation, market dips or outliving your savings.
Plan for long-term care needs and big-ticket expenses later in life.
Ensure your estate is in order with clear, up-to-date plans for inheritance.
The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
Helping you plan for what’s next
Some of the typical things we help clients nearing retirement with:
Creating a clear, tax-efficient income strategy
Using cashflow modelling to help avoid running out of money
Adapting your plan to reflect market changes or life events
Discuss a strategy for potential long-term care needs
Keeping your Will, Power of Attorney and estate plan up to date
Planning ahead to pass on your wealth tax efficiently
Will writing and Powers of Attorney involve the referral to a service which is seperate and distinct to those offered by St. James's Place and are not regulated by the Financial Conduct Authority.
Advice that grows with you
We regularly review your financial plan to make sure it stays aligned with your lifestyle, goals, and future priorities.
To help your money last, we use a cashflow forecasting model, updated every year to reflect real-life changes, from inflation to big-ticket purchases, so you stay confident and in control, year after year.
Why work with Luma?
Flexible, clear advice
Retirement advice that’s flexible, clear and focused on your goals
Cashflow reviews
Confidence your money is working hard - with annual cashflow reviews
Expert help
Expert help blending different types of income
Meet our people
Meet our people
Our clients are real people, and so are we. Scroll through our team to meet the people who can build your financial plan. Not sure who might fit your requirements? Get in touch
