The importance of  your retirement planning

Talking about retirement planning, There is no such thing as planning too early for retirement, and our objective is to help you get there no matter how big or small your dreams are. Some people believe its so many years away to even consider thinking about but the sooner you start saving, the cheaper it will be.

Frequently Asked Questions

Absolutely not. It is never too late to start saving for retirement. There is always something that can be done to get you on the right path so you just have to make the most out of what you have.

Please see our article below which may help you if you’ve left it late to retire:

I’ve left it too late to retire. What do I do?

This question is very depending on you and the lifestyle you want, but what we can do is help you understand the different factors to consider when planning for retirement and work out what different amounts of savings will be able to give you. Factors we focus on include where you will retire, calculating inflation up until when you plan to retire, what you can afford to save without leaving you too short, and what you are planning on doing during retirement.
Despite the fact that you may have paid your taxes and made contributions to your state pension, this should really be looked at as a bonus towards your main pension pot, as the government are planning to cut the annual increases due to the cost the state pension service has on the country.
Although property is a great market, as a standalone investment it doesn’t provide you with enough security to retirement in peace. Property is an illiquid investment, so if all your tenants didn’t pay the rent, then you would have no way of generating an income. This is why its important to diversify into different investments and this can also help reduce the taxes you pay.

Talk to us so we can help plan your retirement properly. Contact us now so we can give you a full review and explain the best retirement options for you.

Call our Global helpline on +34951127237 or fill in the QUICK CONTACT form below and we will call you back

retirement planning Retirement-Planning-The importance of planning for your retirement

Find out the answers to more questions…

Download your FREE “Expat Financial Planning Guide” NOW!

This guide will help you understand and avoid the common mistakes that expats make whilst living overseas. We help you understand the different opportunities that become available as an expat and make sure you do what’s right for you.

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Build a Plan

When do you think you will retire? What type of income do you require when you retire?

Where will you retire? What type of lifestyle have you always dreamed about in retirement?

Service

Managing your retirement plan is important, to make sure that you are on track to reach your goals. This means evaluating your surplus income, bonuses, job changes, tax brackets, risk profiles and so on. No one year is the same as the next and the different stages in life that we all go through will match your retirement planning.

The End Goal

We will review your retirement plan on an ongoing basis to make sure that the end goal is exactly what you wanted. We will review your life changes to make sure your targets are met.

Invested a lump sum and transferred my pension with SJB Global last month. Happy so far and looking forward to seeing how the investments perform. I was really impressed with the process and explanation of complex terminology.

Barbera Louis

Having previously gotten cold feet after almost going through with the transferal of my UK private pension to a QROPS with another wealth management company who, for a number of (good) reasons I felt uneasy with, I decided to look independently for an alternative adviser and was fortunate to come across Sam Barber quite by chance. Thanks to his endless patience in answering all of my questions and his excellent support throughout the entire process (which seemed very daunting initially), I am now confident that my future pension is in the best hands. He has put my mind at rest over so many issues and my initial lack of trust in such financial institutions has fully dissipated since becoming his client. I have no hesitation in recommending Sam to anyone who is even just considering transferring a pension out of the UK. He will not talk you into anything that you are unsure about and no question is too stupid. He knows what he’s talking about, gives sound advice and is 100% reliable. There are without doubt many sharks out there – happily Sam is not one of them.

Alia Harrison

I transferred my pension 6 months ago after speaking with a number of advisers in relation to my enquiry. Having initially being overwhelmed with the ordeal, Sam made me feel at ease with the whole process. And on our first semi annual review I am very pleased with the performance and feel like I have made the right decision. I would recommend SJB global to any expat who is looking to transfer their pension.

Jade Bolton

I started the process of finding information out about how to transfer my UK pension overseas and got a bit lost with it all. After sending out a few inquiries, I decided to go with Jake as I found his advice and costs to be completely transparent. The other 2 advisers had recommended me a QROPS and Jake said I was best suited to transfer to a SIPP and sent me links to authoritative websites to back up his reasons. I would recommend Jake to anyone who is looking for transparent advice.

Salvador Iglesias

Invested a lump sum and transferred my pension with SJB Global last month. Happy so far and looking forward to seeing how the investments perform. I was really impressed with the process and explanation of complex terminology.

Barbera Louis

Having previously gotten cold feet after almost going through with the transferal of my UK private pension to a QROPS with another wealth management company who, for a number of (good) reasons I felt uneasy with, I decided to look independently for an alternative adviser and was fortunate to come across Sam Barber quite by chance. Thanks to his endless patience in answering all of my questions and his excellent support throughout the entire process (which seemed very daunting initially), I am now confident that my future pension is in the best hands. He has put my mind at rest over so many issues and my initial lack of trust in such financial institutions has fully dissipated since becoming his client. I have no hesitation in recommending Sam to anyone who is even just considering transferring a pension out of the UK. He will not talk you into anything that you are unsure about and no question is too stupid. He knows what he’s talking about, gives sound advice and is 100% reliable. There are without doubt many sharks out there – happily Sam is not one of them.

Alia Harrison

I transferred my pension 6 months ago after speaking with a number of advisers in relation to my enquiry. Having initially being overwhelmed with the ordeal, Sam made me feel at ease with the whole process. And on our first semi annual review I am very pleased with the performance and feel like I have made the right decision. I would recommend SJB global to any expat who is looking to transfer their pension.

Jade Bolton

I started the process of finding information out about how to transfer my UK pension overseas and got a bit lost with it all. After sending out a few inquiries, I decided to go with Jake as I found his advice and costs to be completely transparent. The other 2 advisers had recommended me a QROPS and Jake said I was best suited to transfer to a SIPP and sent me links to authoritative websites to back up his reasons. I would recommend Jake to anyone who is looking for transparent advice.

Salvador Iglesias

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Can anything help the UK pensions deficit?

October 18th, 2017|

Can anything help the UK pensions deficit? It seems to be going from bad to worse for the UK pension deficit. Across the 6,000 private sector defined benefit scheme pensions, 5,000 are now in deficit [...]