If you plan and invest your finances strategically and earlier on in your life there’s nothing stopping you from enjoying your dream retirement, perhaps a cruise down the river Nile or a holiday in the Swiss Alps and being there for your children when they need you.

Engage the services of an experienced financial advisor who can guide you through the multitude of options available and recommend the most relevant solutions for your specific needs. Later Life or Retirement Planning has its own set of unique requirements and here are some questions to discuss with your financial advisor. What is my daily expenditure and how much do I expect it to be in the next 6 months b) 2 years, c) 5 years? When is the best time to access income from my pension provision? Should I continue working? Full-time or Part time? Should I consider equity release if I want to help my children? Will my income and expenditure keep pace with inflation? Are my Individual Savings Accounts (ISA) invested wisely to provide income and growth? Can the state provide for my later life needs including day care and nursing care?

- Provides a lump sum on death or terminal illness which can be used to cover outstanding repayments on a mortgage or loan
- The level of cover reduces each year - in line with the sum you owe
- If you die within the term of the policy, it will pay out a lump sum, to help clear whatever is outstanding on your debt at that point, however, there is no guarantee that the lump sum paid will enable you to clear your outstanding debt in full

Please be aware that in some cases this type of assurance is based on an assessment of the health of the applicant.

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