Retirement Planning

We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Polestar Wealth Management can examine the most suitable ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working.

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

Related Publications:

Taking income at retirement

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.
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.
This guide will help you understand the key issues and decisions that will affect your income after retirement.
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Saving for retirement

THE VALUE IN THINKING AHEAD
Retirement is something most of us look forward to − particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.
For a start, retirement is now often not the sudden change from work to enforced idleness that it used to be. It has increasingly become a gradual process, with part-time work playing an important role. The latest data from the Office for National Statistics (ONS) show that 13.4% of men and 7.9% of women aged 65 and over are still in employment.
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Investment planning and asset allocation

NO LONGER JUST AN ART FORM
Investment planning is now more of a science than an art. Technology, ever-increasing investment opportunities and stricter regulation have all encouraged a more scientific approach. But has your investment strategy kept pace?
Investment planning and asset allocation is a multi-stage process. The actual execution of investment transactions is virtually instantaneous, but the decisions behind them need time and should not be hurried. There are many different approaches to the investment planning and asset allocation process, but most will broadly follow the step-by-step framework explained in this guide.
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Pensions and tax planning for high earners

MITIGATING A GROWING TAX BILL
If you are a high-earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.
Increasing the tax burden for higher earners has been a deliberate policy of successive governments. For instance, the thresholds for phasing out the personal allowance and the start of the additional rate tax threshold have both been unchanged since they came into force in April 2010.
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Interested in any of these topics?

For an informal, no obligation, chat with a consultant please call

(01252) 626200

or email

hello@polestarfp.co.uk

Adviser understands our needs well

The Polestar adviser understands our needs well. He has worked with us over a lengthy period which initially involved clearing up a confusion of financial matters and over recent years supporting and guiding us to a planned approach. Polestar give prompt responses to questions and an organised approach to keeping clients up to date on financial matters.

— RichardAlton

Retirement Planning

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

Related Publications:

Interested in any of these topics?

(01252) 626200

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Adviser understands our needs well