RETIREMENT PLANNING

Retirement is the longest holiday of your life.   Will you have enough spending money?

The key to a financially comfortable retirement is planning and preparation. Too many people are doing too little too late. Putting even a small amount away early on can make a huge difference to the lifestyle you will enjoy when you retire. The golden rule for most people is not to rely on the State alone.

Affinity advisers can calculate how much you need to save and where to save it, so that you can be sure you will not run out of spending money!

Pension legislation changed dramatically on 6 April 2006. A review of your existing pension arrangements could potentially enhance your pension fund and retirement income. Many modern pension plans have lower charges and more diverse investment options than older style plans. It is imperative that your pension arrangements are reviewed regularly in order that they remain consistent with your attitude to risk and objective.

Affinity Financial Advice offers a free initial review of your existing pension arrangements.

To discuss your retirement planning needs, please contact us on 01292 313514 or
Email: info@affinityifa.co.uk

SAVINGS AND INVESTMENTS

In today’s financial climate, it pays to think seriously about your financial future. Shrewd financial planning can give you peace of mind, knowing that should that rainy day approach, you are equipped to weather the storm.

• The number of people who are regularly saving money each month has fallen to below half of the population (47%), compared with 52% in winter 2007/2008.
• Over 14m adults (30%) have no financial savings or investments.
• Around 15 per cent of 18 to 24- year-olds think an individual savings account (ISA) is an iPod accessory, and one in 10 reckon it's an energy drink.
• 1 in 3 refuse to plan their finances. Those who do find the time set aside a miserly 5 minutes per week.

(Source: www.creditaction.org.uk Debt Facts and Figures 1 July 2008)

At Affinity Financial Advice, we understand that financial goals are personal and individual. Whether saving to build a nest egg, buy your first home, pay for a fairytale wedding, start a family, fund your child’s education or to splash out on a holiday of a lifetime, Affinity advisers are well placed to offer the most appropriate investment plan, reflecting your tax position, aligned to your attitude to risk and suitably diversified to minimise risk.

As Independent Financial Advisers, we strive to provide the best financial and investment solutions for our clients.

Contact us on 01292 313514 or Email: info@affinityifa.co.uk

PAST PERFORMANCE SHOULD NOT BE SEEN AS AN INDICATION OF FUTURE PERFORMANCE