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Signpost Financial Planning Ltd

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Signpost Financial Planning Ltd

Overview:

Signpost Financial Planning takes a completely personalised approach to advising people who are planning their retirement or who are already retired. We are specialists in helping people with their retirement plans.

Our task is to build and monitor your investment strategy and advise on the sustainability of your retirement income. We address this through constant investment review, tax planning and adjustment as your circumstances change.

Pension Freedom

The new pension freedom rules mean that more people will want to manage their pension to provide a secure income for life. We aim to create a retirement portfolio that can meet all your retirement objectives, including passing wealth on to your loved ones if this is important to you.

We are independent (not restricted), authorised by the Financial Conduct Authority and adhere rigidly to ethical business practices. We focus on tax efficient investment solutions suitable for people planning their retirement, providing advice that uses your accumulated wealth in the most efficient manner.

Nigel McTear, Signpost’s founder, offers a wealth of experience and in-depth knowledge of today’s investment market. In the main, our clients are those who are looking to safeguard their assets and maintain a comfortable standard of living. Fees are explained clearly and agreed before you commit to paying anything.

Our typical client is approaching retirement or already drawing retirement income. Although we have a minimum fee level, we refuse to charge more in fees than we can generate in increased returns for a client. For this reason, we are not able to offer advice to everyone. The strategies we pursue are most suited to those with a relatively substantial investment pot; on average our clients have around £225,000 to invest.

Clients often ask about the longevity of the service on offer, and it is entirely understandable to seek an adviser who will be in place throughout the retirement period. Nigel was born in 1962 and expects to be at the centre of advice provided to his clients for the next 15 years. The service from Signpost Financial Planning is further underpinned by a locum: a respected financial adviser who is ready to take over client advice should the need arise. Nigel has known and worked with Andrew Reeves of The Investment Coach for over 20 years. Andrew, who was born in 1972, adopts an advisory approach that is similar to Nigel’s; he also uses the PortfolioMetrix solutions and will therefore be very familiar with clients’ investments.

Our involvement in your financial planning will depend upon your point along the retirement path. For example, if you are pre-retirement you are likely to want to accumulate funds as tax efficiently as possible, whereas if you are already retired a decumulation analysis will be more appropriate.

One of the biggest mistakes people make in retirement is to de-risk too much. This can mean that they outlive their money because of inflation beating inadequate growth. Conversely, too much risk can lead to volatility and the possibility that capital could be wiped out. There is a point in the middle that gives most people a good balance. When drawing down assets, we recommend a strategy that is neither too safe nor too risky. It is vital to get this investment balance correct while monitoring income sustainability and ensuring tax efficient planning. This is not a one-off process; an annual review will provide an opportunity to make fresh decisions and adjustments.

For every client, key components in any successful financial planning exercise will include:

- a gathering of factual information about your current financial position
- an assessment of your aspirations and risk tolerances
- detailed advice from a skilled financial planner

Whatever your needs – we’ll make sure our fees reflect only the work we do.

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