+44 (0)1896 751007

About you

If any of the points below relate to you, get in touch today to arrange a free no, obligation chat to see how we can help.

About you

Could these questions be relevant to you?

Advice and guidance

  • Do you need advice or somebody to talk to on financial matters?
  • Are you financially savvy but would value an expert second opinion?

How to get organised

  • Do you have lots of financial baggage collected over the years (pensions, ISAs, life insurance, bank accounts etc) and ignore it because you can’t make sense of it?
  • Has your existing pension or investment company been taken over so you have no idea who to speak to?

Plans for the future

  • Are you concerned that you might one day run out of money?
  • Have you unsure of the income you might need when you retire?

If the answer is yes – it should be well worth giving us a call. Please get in touch for a no obligation chat to see how we can help; we’d love to hear from you. Clients tell us they find dealing with Lowland a breath of fresh air. You will always talk to a real person – with your best interests at heart.

Pre-Retirement Key Issues

You are saving as much as you can but retirement is still some years in the future – possible issues are:

  1. How can I juggle financial priorities e.g. mortgage, children, insurances etc and still manage to save for future?
  2. Should I save or pay more off the mortgage?
  3. How much will it cost to get my children through Further Education?
  4. What are the possible sources of income when I retire and how long will it last?

We would love to show how you might benefit from our bespoke advice and guidance. Why not have a look at these short explanations of how we have helped other people planning ahead for retirement in these client stories (based on real client situations).

Client wins
Self-invested pensions
Early access to tax-free cash
Reassurance following major health problems

At Retirement Key Issues

When you retire there are likely to be many questions, for example:

  1. Do I need to wait for the state pension before I can retire?
  2. What are my options for my pension when I stop working?
  3. Can I afford to stop when I want to?
  4. Am I in the right funds so close to retirement?

A critical question for many is “How can I be sure I’ve made the best choice for my pension?” and “Should I take Tax Free Cash and what are the options for my income – annuity, income drawdown etc?” We offer a Free Guidance meeting to explain the options and help you decide what to do.

Whatever your circumstances – our advice and guidance at this critical stage where you may need to make one-off irreversible decisions should prove highly valuable.

If you want see examples of how we have helped other people about to retire – check out these case studies based on real situations where we have made a significant difference.

Client wins
Taking pension benefits early
Enhanced annuity for smokers

In Retirement Key Issues

You are no longer working, so it is unlikely that new money will become available (unless you inherit or downsize).

You need to make what you have last as long as possible for the benefit of you and your family. Possible concerns where we can help might be:

  1. How can I make the most of what money I have now?
  2. Will my income keep pace with inflation?
  3. Will I need the same income in the future as I need now?
  4. Do I have enough income and cash spare for emergencies or to enjoy myself?
  5. What is the likely impact of Inheritance Tax on my hard-earned savings?
  6. How can I help my family during my lifetime?
  7. What are the implications if I need long term care provision?
  8. What can I do to reduce the tax burden when I die?

Here we have listed examples of how we have helped clients already retired to make more of what they have.

Client wins
Regular support and advice
Reassurance

Get in touch today

Contact us

Part of the Loyal North Group

Get in touch

1 Green Street,
Galashiels,
TD1 3AE

Phone: 01896 751007

Email: advice@lowlandfinancial.co.uk

This website is intended for information purposes only and does not constitute advice. The content is subject to the UK regulatory regime and the site is aimed at UK-based consumers.

We often use links to transfer you seamlessly between the pages of our website and those of external websites. We can’t be held responsible for any material contained on those external websites and we don’t accept any liability in connection with any information or services they provide. We can’t guarantee that these links will work all of the time and we have no control over the security or availability of the linked pages. The inclusion of any links by Lowland Financial Services Limited does not imply a recommendation or endorse the views or decisions expressed within them.

Lowland Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

Lowland Financial Services Limited is entered on the Financial Services Register https://register.fca.org.uk/ under reference 202359.

Lowland Financial Services is registered in England and Wales (SC202782). Registered Office: 1 Green Street, Galashiels, Selkirkshire, TD1 3AE.


Complaints

If you wish to register a complaint, please write to The Compliance Officer, Lowland Financial Services Limited, 1 Green Street, Galashiels, Selkirkshire, TD1 3AE, or telephone 01896 751007. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available upon request. If you wish to complain, but you’re not sure where to begin, you can also contact the Financial Ombudsman who can help you get things started.  If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4567.

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