What were the circumstances that caused you to look for a financial adviser?
I had had that light bulb moment when I suddenly realised, I was not that far off retirement. I had a number of personal pensions scattered over many companies that I had not taken much notice of over recent years as I have been busy running my own business and the focus had been completely on that. I was concerned that I either wouldn’t be able to retire when I wanted or that my funds in retirement would not be sufficient to have the lifestyle in retirement I desired. I asked around people I knew which adviser to use and Guy’s name came up many times.
How did Guy/Templar help you?
Guy sat me down and we had a conversation. I remember being slightly surprised that we didn’t start talking about my specific pensions for a little while. Guy wanted to know about me, my personal circumstances and what my plans were for retirement. Guy then explained what a financial planner does and then explained how he could help me with my situation. By talking to me and finding out what I would need in retirement and when I would need it, Guy created a financial plan for me running up to retirement and beyond when I start drawing an income. He tidied up my existing personal pension plans into one low cost personal pension. Guy created detailed cashflow models to demonstrate how my funds will last through my retirement. I have also made use of my unused pension annual allowance from previous years to top up my pensions. By doing this, something I didn’t know you could do, I am not feeling much more at ease that I will be able to retire when I want to and be able to afford the lifestyle I had always desired in retirement.
What could they have done better?
To date… nothing!
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