FutureCertainty

Transitions planning

People in well-established careers, with busy lives, caught up in the daily routine of earning a living often do not see a need for financial planning – but this changes dramatically when we introduce the uncertainty of career or job changes. As most of us no longer expect to work for the same employer for life and receive a full pension when we retire, decisions about career choices and the relative merits of competing benefits packages are now more important than ever.

Balancing career decisions with personal and family goals requires clearly-defined, well-constructed financial plans that can model the impact of competing choices and also allow for the uncertainty of future investment returns.

To accomplish this means a new approach to the advice, tools, products and strategies we use. It means changing the way we think about investment risk and return, and how we monitor progress. It means challenging the received wisdom and outmoded practices of the old-world financial services industry and a complete rethink of the advisory relationship. It means directing all our knowledge, experience and effort to addressing the question of whether any proposed investment, product or action increases the certainty of a successful outcome.

Key financial decisions for job changers
Whether you are moving between companies, or perhaps making the decision to go out on your own, a proper analysis of your employee benefits is essential to the creation of a meaningful financial plan. Typical questions that clients ask include:

• What happens to my pension when I leave my current employer?
• Will my new employer’s scheme offer more or less generous entitlements?
• Am I on target to achieve my retirement goals?
• Should I transfer my pension?

Whilst pensions are typically the biggest concern, losing other important benefits like life assurance or income protection can put the future certainty and security of your family finances at risk. If these benefits are not available from a new employer, do you need replacement or even stop-gap cover?

The FutureCertainty™ Transitions Analysis provides a straightforward comparison of existing and proposed benefit arrangements and illustrates their impact on your financial plan.

Our founder, David Jones, combines a background in recruitment with eighteen year's experience in corporate pensions and employee benefits. As the first Certified Wealthcare Analyst in the UK, he is uniquely placed to help you. To arrange an initial consultation please contact David on 0208 744 1888 or email him.