After a lifetime of working and saving, retirement should be a time to enjoy – without having to worry about cutting back on your everyday spending or struggling to make your money last. We can help you maximise your savings to maintain your standard of living, and enjoy a happy and comfortable retirement.

We’re all living longer, and your savings are likely to have to last for many years to come. We’ll find the best way to secure your financial future and meet your individual needs – whether you wish to receive an income from your investments or are looking to invest for your family’s future.

Reaching your retirement goals

Everyone has different goals and expectations for what their retirement will hold and we aim to understand your perspective. We will ask important questions about whether you think you’ll have enough income as well as your plans for the years ahead.

It’s important to assess your financial situation regularly throughout retirement. If your situation or financial goals change, we can review your savings and investments to ensure that they are always working in your best interests.

After retirement, no longer having a steady regular income can be a concern. Our wealth planners will help you put together a plan to ensure you draw down money in the most tax-efficient way possible. We offer a variety of investment options, including a bespoke discretionary fund management service that can be tailored to you on an individual basis.

Tax-efficient retirement solutions

After retiring, many choose to give some of their money to children or grandchildren, or to charity. If this is something you are considering, we will assess the situation with you, decide how much you can afford to gift and determine how best to reduce your inheritance tax (IHT) liabilities.

Unless approached carefully, IHT can have a substantial impact on your family’s assets.  Finding the best way to minimise inheritance tax is more than just a one-off exercise. We will help you consider all the implications of IHT within your overall financial plan, and recommend solutions that could save your family an unnecessary tax bill.

We can guide you through the available options, such as buying an insurance policy dedicated to giving away what you can afford while you are still alive, gifting the money, or establishing a trust. If you are looking to find a more instant solution, we offer structured investment strategies that mean you are able to take immediate advantage of the tax reliefs available.

Our experienced advisers understand the issues and technical details involved and can handle both straightforward and complex arrangements.

Ensuring that your will is up-to-date and reflects your current wishes is crucial to this process, not only to make sure that matters are dealt with in a tax-efficient way, but to also ensure that your wishes are carried out. At Sanlam, we will work with your lawyers and advisers to make sure we find the most tax-efficient way to structure your assets.

Looking forward to retirement

We want you to have the best retirement possible, safe in the knowledge that you, and your family, will be provided for no matter what happens. We help to ensure this by working closely with you to really understand what your financial goals are, whether you’re looking to preserve your wealth to leave a legacy for the next generation, or you’re ready to simply relax and enjoy the retirement that you’ve worked for.

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The value of investments and any income from them can fall and you may get back less than you invested.