Already retired

Not having enough money to live comfortably regularly tops the list of worries that those already in retirement report. We’ll answer your questions and provide solutions to your challenges.

Your retirement, your way

Your retirement could last as long as your working life. If you want to enjoy it and experience peace of mind and security, you need to feel confident that your money will allow you to live comfortably for as long as your retirement lasts.

Our team includes Qualified Financial Advisers (QFA) and Retirement Planning Advisers (RPA) as well as an accountant and stockbroker. As a team, we provide tailored financial planning and investment services designed specifically to provide you with clarity on how much you can spend on your retirement plans right now, how much money you’ll need to keep aside for later life and how to maximise and protect your investments and savings.

We understand what we’re doing

Retirement funding

It’s important to know not only that you have enough money saved to retire comfortably but that you can sustain that standard of living throughout your retirement. We will help you understand what you have and how much you can afford to spend on your plans.

Estate planning

If your estate is worth more than the nil-rate band, the beneficiaries of your estate will be asked to pay Inheritance Tax when they inherit. Our experts will identify whether Inheritance Tax is liable in your case and put strategies in place to ensure any liability is minimised.

Later-life funding

Later-life care funding can be a particularly complex issue. We’ll walk you through your options, explore which are the right ones for you and your loved ones, and help you put plans in place to ensure the funding implications of your choices don’t give you cause to worry.

Transferring wealth

There are lots of issues to consider when planning the transfer of your wealth. We will offer tailored estate planning recommendations and explain your options for transferring wealth in the most tax-efficient way, ensuring everyone you love will be cared for.

What our clients say

I have been dealing with the team at Lifesteps for the last 10 years, and in that time the level of service and attention to detail has been second to none.

Frank McCarthy

My pension set-up was very complex, but thanks to the expert knowledge of the team at Lifesteps, I’ve managed to navigate the transition from pre-retirement to post-retirement with minimum fuss. This has given me a great deal of financial comfort.

The team has expert knowledge of pensions and investments. They are always available and highly professional in their approach, and I have always trusted their judgement and advice. I would highly recommend them to anyone looking for financial advice.

Mark Bourke

Lifesteps conducted thorough research and met with me on a number of occasions before they offered me any advice. I am very happy that the portfolio they’ve recommended is suitable for my risk profile and liquidity needs. The level of service and communication post-investment is equally impressive and very reassuring.

Dorothy Ahearn

Explore your options

Whether it’s help getting on the housing ladder or contributing to private education or university fees, using your wealth to help younger generations get a good start in life can be a source of great joy.

We’ll explain the potential tax benefits of wealth transfers during your lifetime and help you understand whether it impacts your own plans for retirement.