About you
Thinking about
retirement
Our advisers are here to help you prepare for the retirement you’re dreaming of
Your retirement is an exciting milestone to work towards, but you don’t need to face it alone.
We can help you to decide what’s most important to you and create a simple roadmap to help you fulfil your ambitions.
You can count on our support and guidance at every step of the way.
Calculate how much you need to save
Worries about whether you’ll be able to afford your desired lifestyle in retirement can be enough to keep you awake at night.
We can help you to understand exactly how much you need to save and help you create a plan to achieve this within your desired time frame.
Understand the tax rules that apply to you
Tax rules can be complex, and they are subject to change, so it’s important to seek advice on this.
We can help you to understand your tax position and create a tax-efficient plan that enables you to put as much of your income as possible towards your retirement plans.
Create a structure to your finances
Over the years, you may have accumulated multiple pension pots, investments, and other savings.
We can help you to organise your pots so that you know how much you have and where they are held. What’s more, each pot will have its own role in helping you achieve your retirement goals.
Review the plan regularly to stay on track
Retirement planning is a long-term project and one that we can support you with throughout the years.
You’ll meet with your adviser regularly to review your progress and consider any changes in your circumstances. So, no matter what life throws at you, you’ll stay on track to achieve your goals.
The service we have received from Peter and FMS over the years has been outstanding – responsive, professional, trustworthy, often going beyond the call of duty.
Our investments have done pretty well too!
I would and do recommend Peter and FMS to anyone looking for personalised and professional financial advice
I have no hesitation in recommending FMS Sevenoaks as a small and friendly firm of independent financial advisers who look after clients on a personal level. They give those clients the reassurance and knowledgeable financial advice that is sought in an ever-demanding and changing environment.
Graham has provided a structured and clearly set out retirement income strategy that enabled us to meet our objectives of gifting money to our children and also restructuring a retirement income more tax-efficiently. We both agree his advice has been first class based on his excellent knowledge of the financial markets.
As a customer with FMS for decades I've always been comfortable with the service they provide and confident about the advice they give me. It's been a long-term relationship - and that's what you need in a financial adviser.
Financial Management Services (FMS), and specifically Peter Collinson, have been advising us on our family finances for over 15 years. From the first telephone conversation, and subsequent meeting, my wife and I both felt that Peter was the sort of person we could work with. We have recommended FMS to friends and other family members. Anyone who has taken up their services has also been pleased with the results. I would highly recommend FMS to anyone looking for an independent financial adviser.
Pensions and tax are complex. when I contacted Graham, at FMS, after our initial discussion, which went into far more detail than any others I’d had, gave me confidence that they could help me achieve my requirements, and feeling I was left with a far clearer understanding of all my options. I left our first meeting with confidence that I had engaged with the right financial adviser. I am now planning for the future with Graham with confidence and have a lifetime plan in place.
Your journey
Our experienced advisers are here to guide you through your journey towards financial freedom. This can be a lifelong process, but it starts with five simple steps.
