Retirement Planning

“I provide clients with financial planning advice using investments and products from across the market to provide personalised wealth and retirement solutions.”
Elliot Clark, Financial Planner

The aim for most, is to reach retirement in good financial shape and hopefully our Wealth Management Service will help your money to grow. When you reach retirement, the strategy changes, we now need to shape our accumulated capital to delivering income efficiently. Here we try to anticipate your spending patterns, which for most, will reduce income withdrawals later in retirement as spending decreases.

The aim for most, is to reach retirement in good financial shape and hopefully our Wealth Management Service will help your money to grow.

FM have been operating an income portfolio since 2010 to deliver a 4% target income while keeping the capital pot growing with a balanced approach to risk. In 2022, the portfolio had reached a size where we approached LGT to help manage the portfolio while still maintaining the key objective to be a suitable investment for investors in or approaching retirement. We have a strong past record to show we successfully achieve this.

Our cash flow planning tool can take in your data and deliver a snapshot of the future and help you shape your retirement to make the very most of your assets.

This is helped by the way we use ‘expected rates of investment return’. This back tested method of fund management enables us to build-in more accurate predictions for you, making the cash flow plan as realistic and robust as possible.

FM have been operating an income portfolio since 2010 to deliver a 4% target income while keeping the capital pot growing with a balanced approach to risk. In 2022, the portfolio had reached a size where we approached LGT to run the fund while still maintaining the key objective to be a suitable investment for investors in or approaching retirement.

If you would like to discuss retirement planning, please call us or complete the enquiry form.

Cash Flow Forecast
Cash Flow Planning in Retirement

Retirement Planning Publications

Roadmap to Retirement Guide
A checklist by age to ensure you are on track with your retirement savings. We recommend reviewing this booklet annually.

Your Retirement Options Fact Sheet
A leaflet to show the different options available when you reach retirement and a list of financial considerations.

Investors looking for monthly income
FM’s Strategic Income Portfolio is a bespoke solution built for clients of fmifa. It provides a consistent monthly income without disturbing the underlying capital. The target income is a 4% yield.

Enquiry form

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Thank you for this confirmation to invest additional funds to your General Investment Account. We will confirm the bank account to transfer the funds and a reference number. Once the top up has been applied to your tax-free investment account, the Client Support Team will confirm this and provide you with an updated valuation.

The form has been submitted

Thank you for this confirmation to invest additional funds to your ISA. We will confirm the bank account to transfer the funds and a reference number. Once the top up has been applied to your tax-free investment account, the Client Support Team will confirm this and provide you with an updated valuation.