What do you dream of at 50?

Reaching 50 can trigger lots of different thoughts and emotions. But what’s certain is that your peers will be making plans for the next stage in their lives. You should too.

It doesn’t have to mean life is slowing down, but your responsibilities are changing and with maturity comes the chance to really think about what you want to do next. It’s an exciting time to regroup, reconsider and work with our advisers to help towards making those ideas a reality – and possibly sooner than you think.

Changes for your business

As a business owner, your life plans and your role in the company go hand in hand. There will be a time when you’ll want to step back to give yourself the freedom to achieve life outside of work.

Whether it’s looking at succession planning, a new management structure or selling the business, expert financial advice is crucial*. We can help you understand more about how we support business owners.

*Exit Strategies may include the referral to a service that is separate and distinct to those offered by St. James’s Place.

Supporting the needs of elderly parents

It’s an age when your children are becoming more independent, but your parents need you more. It’s the sandwich generation and it can be a stressful time.

Clients of Pinnacle have access to the Care Concierge service, an independent advisory service in all aspects of support for those in later life.

With this support combined with our expert advice, we can ease what is very often a challenging time and help find the right solutions for elderly family.

Helping the next generation achieve and grow

Paying the school fees may be a thing of the past, but the need to provide financial support to your children is unlikely to have gone away. Helping them to get a foot on the property ladder may well be next on the list.

It’s an important stage in helping them carve out a life for themselves and adds to that sense of achievement that you’ve done the best you can for them.

We can help you understand your options and provide solutions, whilst laying out how your aspirations for them affect your long-term game plan.

Less time in the office and more time on the golf course

Less work, more play. Easing back on the hours we spend at work sounds a great idea to many of us once we reach our 50s.

But less work means less income, and maybe less going into our pension. And that’s the worry for many people. When it comes to the retirement pot that’s got to last the rest of our lives, how much is enough? Can you afford to take your foot off the pedal?

Through our financial planning tools, you’ll be able to see clearly the impact of your pension contributions on your retirement pot and what it’s likely to be worth at different milestones in your life such as at 70 years old, 80 and so on. You’ll understand how retiring at different ages might affect your finances and see how you can plan to make large, life-enhancing purchases such as that dream second home or yacht.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

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