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Retirement & Inheritance

Making plans for the future.

Careful planning for retirement and inheritance seems to become more important with every year that passes. It makes sense to consider provision for your later years when you have the best options in front of you – which usually means the earlier, the better!

Retirement and pension planning

If you asked most pensioners what their biggest regret is, they’d probably talk about not planning properly for their retirement. There’s no ‘right time’ to plan for the future but it’s a subject that won’t benefit from delay.

At Poole Townsend, we don’t sell our own pensions or any other retirement savings products. Instead, we give straightforward advice in a way you can understand so you can make informed decisions and take your future into your own hands. We’ll talk through your needs and help you explore some options you might not have had the chance to think about yet. We’ll also review your current pension arrangements and try to find you a better deal on your current pension, where possible.

A couple of hours spent investigating your options could make a massive difference to your quality of life in retirement and will give you the confidence and peace of mind that will help you make the most of your retirement years.

Inheritance tax planning

If, like most of us, you’ve worked all your life and own your own home, you’ll find that inheritance tax liability threatens the financial well-being of your descendants. So, what legal and reasonable preparations can you make to avoid your family paying over the odds?

We’ll guide you through the ins and outs of inheritance tax planning to ensure your heirs benefit from your estate, without paying the government more than their due. Our team has helped hundreds of people leave more to their loved ones through the provision of gifts, claiming allowances and rural estate planning. Our advice is to plan early, seek specialist advice from experts on inheritance tax laws, and explore all your options in detail.

Lifetime Mortgages

If you’re a home-owner and you want to improve your finances in retirement, you might consider releasing the money locked up in your home through a lifetime mortgage. You don’t need to sell your house or trade down to a smaller property but can stay in your home and receive a lump sum or additional income (or a combination of both) against the value of your house. Please note: equity released from your home will be secured against it.

These schemes can differ greatly, and some of them come with complicated terms. Overall, it can seem like a risky or even scary course to take. But you’re not alone - we’re here to help you make the right decision, and choose a scheme that will work for you

Read more about the different types of equity release

Meet your Team

Stephanie Woodward - Managing Director: Financial Services

Email: swoodward@pooletownsend.co.uk
Nina Hughes - Independent Financial Adviser

Email: nhughes@pooletownsend.co.uk
Victoria Head - Independent Financial Adviser

Email: vhead@pooletownsend.co.uk

The full team

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Trust our team of local experts to provide the best advice on a wide range of legal and financial issues whenever you’re facing a life change and need the best support.

0800 389 2939

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9am - 5pm Monday to Thursday
9am - 4:30pm Friday
9am - 1pm Saturday

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Get in Touch

Poole Townsend (Head office)
69-75 Duke Street, Barrow-in-Furness, Cumbria, LA14 1RP. Telephone: 0800 389 2939 Email: enquiries@pooletownsend.co.uk

Poole Townsend Estates Ltd. (Company number 10960705) is a company registered in England and Wales with its registered office at 69-75 Duke Street, Barrow in Furness LA14 1RP. A list of directors is available at the registered office address. Authorised and regulated by the Solicitors Regulation Authority number 8004592. VAT Registration number 288092466. Our Estate Agency is a member of The Property Ombudsman Scheme.

Poole Townsend Estates Ltd Property Client account has client money protection, to view our Client Money Protection Certificate please click here. To view our Equality and Diversity Data please click here. The Propertymark Conduct and Membership Rules can be found here.

Poole Townsend Financial Services Ltd (Company no:10964550) is a company registered in England and Wales with its registered office at 69-75 Duke Street, Barrow in Furness, LA14 1RP. A list of directors is available at the registered office address. We are independent financial advisers authorised and regulated by the Financial Conduct Authority. VAT registration number :154365563. Poole Townsend Financial Services Ltd is entered on the Financial Services Register. https://register.fca.org.uk under reference 807084..

Professional Indemnity Insurance – please contact Joanne Armer at the address above if you require details of cover held.

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Retirement & Inheritance

Meet your Team

Stephanie Woodward - Managing Director: Financial Services

Nina Hughes - Independent Financial Adviser

Victoria Head - Independent Financial Adviser

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She'll be glad you planned ahead

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