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What Can a Professional Retirement Planner Do for You?

What Can a Professional Retirement Planner Do for You?

A retirement planner helps you create an efficient retirement plan. Their purpose is to guarantee that consumers have enough money to retire and are ready to handle any challenges that come with ageing. 

With the help of a retirement planner, you may learn how to save and invest for your golden years while also getting advice on insurance and estate plans. However, do you genuinely require one, or are you able to plan your retirement effectively on your own?

A qualified retirement planner is trained to handle more than basic financial planning or investment advice. Here are reasons you should get a qualified retirement planner today.

1. You’re Nearing Retirement and Unsure What to Do With Your ISA

Concerning your employer-sponsored retirement plans, you have choices on what to do with it once you retire or leave a job. It is possible to leave money in the plan and withdraw it when needed. You may also roll it into an Individual Savings Account (ISA) and invest it in various ways. A financial planner can assist you in reviewing your options depending on your goals and your ISA investment options.

2. You Need Financial and Investment Advice

A retirement planner or adviser can help you decide whether to subscribe to state pension benefits and distribute your pension funds effectively. A retirement planner can also help you with investments like annuities and reverse mortgages. Additionally, they can advise you on which accounts to remove from annually to decrease your retirement taxes. This also helps in determining how much of your money should be in fixed-income securities.

Along with advice on taxable income, you may seek advice on leaving money in your employer’s plan or rolling it into an ISA.

They won’t provide recommendations unless they fully grasp your time horizon, financial experience, goals, and investment risk tolerance. They’ll want to know about your need for guaranteed income, as well as your existing and future revenue sources.

Excellent retirement planners inquire where all of your investments are so that your portfolio may be adjusted to create a steady stream of retirement income.

3. You’re Not Sure How Much You’ll Need to Save for Retirement

Most brits have no clear clue about how much money is necessary to retire. Thankfully, a retirement planner can help you calculate your “number” and see if you’re on track to fulfil it based on historical average investment returns.

4. You are Weary of a Stock Market Crash

Studies demonstrate that average retail investors underperform the market partly because they allow their emotions to rule them during market crashes. Investors, in particular, tend to panic and sell low and buy high, reversing the “buy low, sell high” trading technique. A retirement planner can help you diversify your portfolio and avoid making rash investment decisions that might have fatal consequences.

5. You’re Earning a Lot and Worried about Taxes

Taxes might take up a large portion of your earnings if you make a lot of money. While this is a significant problem, a trained retirement planner can help you maximise the tax benefits of the different retirement savings options available to you.

6. Your Net Worth Is High

A retirement planner can assist you with estate planning techniques such as trusts and the yearly gift exclusion. 

The federal estate tax rate on assets above the lifetime exclusion is presently 40 per cent. Many states have extra estate and inheritance taxes, so this service alone might be worth the cost of a retirement planner.


Interview potential retirement planners to learn about tax planning, Social Security, and retirement withdrawal strategies. They must be able to create a plan and strategy for tax-efficient withdrawals and give objective advice on the use of guaranteed income products that provide security.

At Wills and Probate, we can assist you in retirement planning in the UK and all other financial and future planning aspects. From wills to probate to inheritance tax guidance, we have you covered. Let us help you in securing the greatest possible future.