Giving up work can be a major challenge faced by most of us during our lifetimes. It can be a time of great joy and relief but also one of considerable uncertainty and worry as to how your financial future will look once the monthly pay cheque stops.

With UK Interest rates near all-time lows your options may seem limited and you may rightly be concerned about whether you have accumulated enough wealth to maintain your living standards.

Here at Raymond James Cardiff we provide a number of income producing solutions and advice on how to best allocate your hard earned capital to secure your financial wellbeing into later life.

Case Study Dr and Mrs J

Dr and Mrs Jones retired some years ago and are now in their 80’s. We have a long standing relationship and have managed a successful income portfolio for them – Dr and Mrs O were awash with assets on retirement and had a mixed bundle of shares and funds. They recently, tragically lost their only son and have sought help with sorting out his affairs. We guided them towards trusted solicitors and will writing professionals, as well as getting them help to arrange Power of Attorney. Dr and Mrs O are happy with the relative simplicity with which the investments are managed, as they do not need to be involved themselves day-to-day. In addition to this, Dr and Mrs O know they have a friendly face who will come to visit them at their home at a moment’s request.