Preparing for the future

Ever heard of the term “make hay while the sun shines?” It’s all about preparation and optimising opportunities. Retirement may seem a distant milestone, but putting money aside for your retirement is vital if you want to maintain your lifestyle when you reach that special age.

Maybe you have a pension fund in place already, or perhaps you have several pension plans? But, how are they performing? If you don’t know the answer to this crucial question, it’s time to find out.

Start treating your pensions like your mortgage. Most people review their mortgages every 2 or 3 years, so why should your pension be any different?

We work closely with Beals Mortgage and Financial Services and Beals Wealth Management who can advise you on your pension and investment needs.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Pension Reviews

Financial markets are constantly changing, and so is the value of your investments. You might have a pension plan in place, but do you know how well it is performing?

Pension reviews are essential if you want to maximise your investments for a comfortable retirement.

Beals Mortgage and Financial Services and Beals Wealth Management carry out comprehensive audits on pension arrangements for thousands of clients to assess their current situation, including state benefits and any State Earnings Related Pension (SERPs) entitlements.

Putting you in the picture

What you think you’ll get when you retire and what you actually get could be vastly different. So, if you are unsure about your pension arrangement and whether it is fit for purpose, Beals Mortgage and Financial Services and Beals Wealth Management can give you the answers.

They evaluate your current pension provision to determine what you are likely to receive on retirement and whether any funding gaps need plugging.

Understanding your needs

They can even help you when you reach retirement age by advising you on all the options open to you and which pension benefits you qualify for.

Beals Mortgage and Financial Services and Beals Wealth Management listen to what you want. They listen and act in the best way for you, so you get the investment scheme most suited to you. You get the access you need, the timescale that suits, and a full understanding of the tax implications.

Are you thinking about investments?

Whether it is a lump sum or setting aside a small amount each month, Beals Mortgage and Financial Services and Beals Wealth Management  can advise you on the right investment vehicle to suit your needs and offer frequent reviews to ensure they never lose sight of what it is you want.

They also focus on the most tax-efficient schemes (like ISAs) to make your money work harder and smarter.

For ISAs, Investors do not pay any personal tax on income or gain, but may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Tax treatment varies according to individual circumstances and is subject to change.

Your Financial Success, Sorted.

Beals Mortgage and Financial Services and Beals Wealth Management offer high-level Professional Financial services to a wide range of people. These services include Pensions, Investments, Mortgages, Equity Release, Protection and Wills. The services that we provide can be expanded to include a full ongoing plan, to keep your finances in tip-top shape throughout your life.

All of their Services are administered in such a way as to provide you with an ongoing and individually- tailored experience. Beals Mortgage and Financial Services and Beals Wealth Management  understand that no two people will be in the same situation financially. You may have multiple products or services that you are interested in, in which case, these can be discussed with their Advisers.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits. 

Beals Mortgage and Financial Services, Beals Wealth Management and Quilter Financial Planning are not responsible for any of the other services listed on this site.

Will writing is not part of the Quilter Financial Planning offering and is offered in Beals Mortgage and Financial Services own right. Quilter Financial Planning accept no responsibility for this aspect of our business.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited. 01/07/2023.