Planning for retirement

Cashflow smoother than your favourite glass of red.

However, you envisage your retirement, we can create a bespoke plan for you. So you can enjoy the finer things in life…

Safe in our hands...

£4bn+

assets under management

20

years working with clients

200+

employees

98%

client retention rate

£4bn+

assets under management

20

years working with clients

200+

employees

98%

client retention rate

Deciding when to retire is a potentially life-changing decision and can feel like a daunting leap. Some people envisage retirement as a ‘cliff-edge,’ whilst others see it as a progressive transition. Whatever you are planning, we can help you.

What are the benefits of effective retirement planning?

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How can Saltus help?

Saltus Financial Planning is a ‘Chartered’ financial planning firm. It is a recognition provided to only a small number of firms that are at the forefront of our profession.

Achieving Chartered status means that we have met the highest standards for technical competence in the advice we provide to clients. It also demonstrates our dedication to continued professional development and shows that our clients are at the heart of everything we do.

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We are specialists in retirement planning and have been helping our clients plan for retirement for almost 20 years.  Not only do we have an award-winning team of advisers that are experts in cash flow modelling, but we also have some of the country’s foremost pension experts on the team. 

We create a financial road map for our clients. Prior to investing, we can provide a clear recommendation on areas such as how much you need to save towards retirement, how much income you can take from your investments during retirement, how to minimise your tax burden and what return your investments need to generate to deliver on your plan. 

As an independent financial planning firm, we are able to provide objective advice that is aligned with your best interests. We can offer the best of both worlds, either selecting from in-house investment strategies managed by Saltus Asset Management or from an alternative provider, depending on your objectives.

The Saltus Asset Management team have a long track record of producing superior risk-adjusted returns. This has been in part due to consistently identifying managers who outperform their benchmarks.

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You’ll be working with a highly qualified financial planner to build and monitor your retirement plan. They have everything at their fingertips to provide what you might need to support your financial journey:

  • Award-winning and industry leading investment solutions.
  • Our own in-house platform and proprietary app so you can view all your financial information and performance at the touch of a button. 
  • Our own Saltus pension wrapper and the ability to provide any other tax-wrappers you require.
  • Insurance solutions to ensure your family are looked after should the worst happen. 

Our financial planning services can help you achieve your goals in life, whether it’s planning for retirement, consolidating your assets or investing your money…

Find out more

Our advisers at the Bath office would be delighted to provide the advice you require...

Bath

Queen Square House, Queen Square Place, Bath, BA1 2LL

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Do you need help with your retirement planning?

Our specialists can help you prepare for retirement and provide ongoing advice once retirement has arrived. Get in touch to discuss how we can help you.

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What our clients have to say about us...

Watch the below testimonials from Saltus clients to hear what it's like to be one of our clients and how we have helped others like you...

Financial planning frequently asked questions…

  • Cashflow planning
  • Retirement planning
  • Pension advice
  • Inheritance tax planning
  • Investment advice
  • Tax efficient structuring
  • Protection – life, income, critical illness and business insurance
  • Financial planning for divorce
  • Financial planning pre and post business sale
  • Specialist personal injury advice

We work with individuals from all walks of life and have a diverse client list consisting of people from professional backgrounds (including senior executives, entrepreneurs, lawyers, accountants, consultants and others) and non-professional backgrounds alike.

We typically work with clients with £250,000 or more in investable assets.

This has to be one of the most common questions we are asked as financial planners. The reality is that everyone is different. We’ll take the time to analyse what you spend now, and how this may change in retirement to help provide you with a precise answer. We have written an article on the subject, if you’d like to find out more

We work in partnership with our clients and can take care of all your needs in one place, all supported by industry leading technology.

As well as surrounding you with a team of highly qualified individuals, we have our own platform, can provide the tax wrappers you require, source investment solutions from the wider market or from our award-winning asset management team, and review your protection needs to ensure your family are looked after should the worst happen. 

Once you have contacted us, we’ll have an initial discussion to understand more about what you are trying to achieve and how your existing assets and investments are structured. We’ll then have some further meetings to garner an in-depth understanding of your requirements and provide you with a report that outlines our recommended financial plan. 

There’s no charge for the initial steps. As our plans are bespoke to your objectives, charges will depend on what’s recommended to you. These will be outlined in full before you progress with us. 

Request a call back...

Contact us today to discuss how we can help you.
Alternatively, you can call us on 01489 663700 (Open Mon-Fri, 9am – 5pm)

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Who we work with:

  • Individuals with £250,000 or more in investable assets. This includes pensions, ISAs, other tax-wrappers and cash available for investment.
  • Institutions
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About Saltus?

Find out more about our award-winning wealth management services…

Winner

Best Financial Advisers to Work For

Finalist

Investment Performance: Balanced Portfolios

Finalist

Financial Planning Firm of the Year: Small to Medium Firm

Winner - Silver

Financial Planning Firm of the Year (Large)

Winner

Best Financial Advisers to Work For

Finalist

Investment Performance: Balanced Portfolios

Finalist

Financial Planning Firm of the Year: Small to Medium Firm

Winner - Silver

Financial Planning Firm of the Year (Large)

£4bn+

assets under management

20

years working with clients

200+

employees

98%

client retention rate

£4bn+

assets under management

20

years working with clients

200+

employees

98%

client retention rate

Saltus Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Information is correct to the best of our understanding as at the date of publication. Nothing within this content is intended as, or can be relied upon, as financial advice. Capital is at risk. You may get back less than you invested. Tax rules may change and the value of tax reliefs depends on your individual circumstances.

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