Stage Financial

Later life planning


Future comfort and financial security in Retirement

Your retirement can be almost half your life, we help you to make it comfortable and secure

We work with clients in Richmond, Twickenham, St Margaret’s, Isleworth, Teddington, and beyond to make the best possible plans for retirement and beyond. Our goal is to help reduce your financial stress in later life, maintain your independence, and make your money work as hard as you did before you retired.

What is later life planning?

Looking forward to how you would like to spend your retirement. By doing this before you retire or are in a care home means you have a greater opportunity to put the best possible plan in place for when you stop working. 

Thanks to Howard’s platinum standard of advice, we can offer financial advice on a wider range of late-life planning options than a lot of financial advisers. Our main focus is to help you preserve and protect your wealth.

Income In retirement

We want your hard-earned money to stay in your pocket rather than the tax man’s – though zero tax is probably not going to be an option. We look at your personal financial situation and advise on the most tax-efficient way to structure your savings, investments, and pensions.

There are a wide variety of solutions for funding your income in retirement, so it can be a rather complex topic. Therefore, it’s important to discuss your circumstances with a specialist wealth manager who can advise you in all aspects. Giving you advice that is a perfect fit and the reassurance that you are making the right choices for your circumstances.

Sounds straightforward but not all advisers are multi-qualified to discuss Pensions, Long term care, and Equity release.

Long Term Care Planning

It’s often an area of financial planning that is not discussed but it can be an area that can affect families the most.

Whether you need help to stay in your home or you need to move into a care home, you will still need and want a secure income, that doesn’t erode your all-important capital too quickly.

Two considerations are either planning years in advance, or, immediately needing to secure an income annuity.

One option is to pay income to the care home directly as this can be paid free of tax.

In some cases, there are features that allow your family to benefit from the fund left over and as such can support some form of legacy being left to loved ones.

Another key factor is inheritance tax (IHT) which has a personal allowance and a capped tax charge.  However, an additional threat to an estate is the cost of care in some capacity.  This can mean that most of your estate can be depleted to care which is a worry to many private clients.

There are tax-efficient solutions that I can advise you on so that you can protect your wealth to pass on to future generations.


  • The value of pensions and investments and the income they produce can fall as well as rise. Therefore, you may get back less than you invested. 
  • Tax treatment varies according to individual circumstances and is subject to change.
  • The Financial Conduct Authority does not regulate advice on estate planning and some forms of taxation.

Where we operate

Our passion is to work with local individuals, families, and businesses who are looking for a secure and happy future. We feel working in a set geographical location gives me the ability to connect with the people and companies we advise and so offer them the appropriate financial solutions.

We live in the area that we operate in, that being a 10-mile radius of Richmond. This includes Twickenham, St Margaret’s, Isleworth, Teddington, Kingston, Weybridge and Wimbledon.

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