Retirement ahead? We can help you Prosper.
You are planning your retirement, or you are at least thinking about a time when you could work less. You are aware that retirement would mean a reduction in your income and would benefit from professional financial advice to clearly understand how much would be enough to support the lifestyle you want.
You have worked hard, have a very comfortable lifestyle and have significant capital in property, investments and pensions. You may think you’d have enough, but would you like to be sure?
“Woodruff Financial Planning have looked after my finances for ten years now and I have been more than satisfied with their professionalism and service.”
Janice Bell
CAN I AFFORD TO RETIRE?
This is one of the most common questions our clients come to us with. Using our planning software we will explore a number of different scenarios and show you what your financial future could look like. This is incredibly powerful in providing you with clarity about whether retiring is the best option for you.
WILL THE MONEY RUN OUT?
The main thing many of our clients are looking for is certainty. While you can never accurately predict the future, you can plan for it. With the right plan in place you can feel confident that your wealth is going to grow at a steady pace and that you can be sure that you will have enough to last through retirement.
EXPLORING YOUR OPTIONS
Depending on your position and your plans for the future, you may choose to exchange your pension for a guaranteed secure income (annuity) or you may opt to keep the money invested with the option of making withdrawals. We are here to guide you through making the decisions that best suit your current position and goals.
BRINGING IT ALL TOGETHER
Over the years you may have accumulated a number of pensions and other investment shemes which may be with different companies. We can help you to manage these schemes properly and pull everything together so that you gain complete clarity on your current financial position.
FINANCIAL PLANNING
With your Financial Plan in place, you can be sure that your money is working in the most beneficial way possible to ensure your long term financial security.
Your plan will include proven strategies to deliver predictable results with minimum risk.
GROWING YOUR WEALTH
We will manage your investments so that you can sit back and watch your wealth grow, safe in the knowledge that your assets are generating your desired income and your money is being looked after by regulated experts with a proven track record for growth and a genuine dedication to customer care.
Experience the feeling of knowing that your future is secure and that your money is working as hard as possible in your retirement without you having to lift a finger.
Experience the feeling of knowing that your future is secure and that your money is working as hard as possible in your retirement without you having to lift a finger.
Welcome to our Prosper service.
Our goal is to help you achieve your full potential using our award winning financial planning and wealth management services.
We believe that everybody deserves to live a secure and fulfilled life and this belief is what our Prosper service was built around.
The service focuses on three main areas…
CLARITY
Our Prosper service is designed to help you gain complete clarity over your present and future financial positions. We use our planning software to show how different scenarios will affect your long-term security.
FOCUS
By developing a comprehensive Financial Plan, we enable you to take control of your finances and focus on getting you to your goals as quickly as possible.
FREEDOM
With a Financial Plan in place, you can sit back and relax, safe in the knowledge that your money is being looked after by regulated experts with a track record for growth and a genuine dedication to customer care.
What do our clients have to say about retirement?
THEY ANSWER QUESTIONS BEFORE THEY ARE ASKED
“Whilst working, I was fortunate in being able to stash away my full pension allowance. I ‘retired’ when I was 53 and when I turned 55, Woodruff Financial Planning was able to counsel me in drawing down 25% of one of my pension plans and investing the remainder, whilst keeping a lookout on my other pension that’s not due to be paid for another four years. No question of mine has been too daft for them to answer, and Woodruff’s quarterly reports often answer questions before they’re asked. The personal service is terrific; I’ve recommended others to Woodruff Financial Planning and it’s just lovely to receive a hand-written ‘thank you’ card for doing so.”
Peter Bigg
“You keep things simple, explain things clearly, and do not use jargon.”
“You are always on hand to answer questions promptly.”
“You have a personalised and very knowledgeable service. We trust your advice.”
“It is good to be able to speak to someone rather than an impersonal approach.”
%
of our clients say our advice is easy to understand
%
of our clients say they trust us to look after their best interests
%
of our clients say we are responsive to their questions
%
of our clients say we care about their needs
%
of our clients would recommend us to a friend
%
of our clients say they get value from our service
Click below to learn more about how our Prosper service works
OUR PROCESS
Designed with you in mind.
The discovery meeting allows us to find out about you and also helps you to decide if you want to work with us. We ask a series of questions to understand what’s important to you, and what your primary goals are for the future. We use visualisations to explain the Financial Planning process so you can evaluate how it could benefit you. We send you a Service Proposal to explore the issues from this meeting and explain how our service will work for you.
In the fact find meeting we gather the data we need to understand your finances. We conduct a comprehensive data analysis of your income, expenses, assets, and liabilities, so we can examine current and future spending patterns. We need comprehensive details to fully evaluate your position so we can plan for your future. We help you to make sense of your money and fill in any gaps in your data. We will follow up with further queries to your product providers.
Your financial plan examines your current finances, based on reasonable assumptions about the future. We assess possible gaps in your planning you might not consider, so you can be in a more secure position. We compare the current position with different scenarios, so you will immediately see the benefits of any improvements we have recommended. This is a highly collaborative and interactive stage and puts you at the centre of your financial decisions.
Your financial plan will give you a series of recommendations to improve your financial security, and also work towards a better lifestyle. With a clear financial plan in place to achieve your goals, we can implement an investment management portfolio or arrange any appropriate financial products to meet any needs we identify. We'll do the administration so you can sit back and relax as we work hard to help you achieve the life of your dreams.
REVIEWING YOUR PLAN
You will receive regular contact from us with investment valuations every 3 months (although you also get access to our portal for daily valuations if you prefer). You will be offered at least one annual meeting to review your Financial Plan and investment portfolio, making the necessary adjustments for your current circumstances so that you remain on track to achieve your goals. We'll also update you with tax data, and make sure you use tax allowances as early as possible for maximum benefit.
Get your free mini guide on
How to Prosper in Retirement
This FREE Mini Guide is perfect for you if you are thinking about stopping or reducing work, but are unsure of what effect this would have on your income and lifestyle.
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Got a Question? Call 01206 919101
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Unit 5, Park Lane Business Centre, Park Lane, Langham, Colchester, Essex CO4 5WR
A DIFFERENT APPROACH
We focus on so much more than just your financial planning. We aim to help you reach your full potential, achieve your goals and help you live the life of your dreams.
Click below and discover our Prosper service.
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