You’re in retirement

Does this sound like you?

Perhaps you are coming close to taking your retirement benefits but you want a sense check before you make any financial decision to retire.  You might move to part-retirement for a while but then again you might retire in full from the off.  What are the pros and cons of doing this?  You may be able to retire early, but if you do, you know that your pension payments would be penalised.  Is it worth paying the penalty or should you wait to prevent it?  Or you may have different sources from which you can live on in retirement.  Which should you turn to first and in what order?

Or it could be the case that you retired a little while ago and have settled into your retirement lifestyle and spending pattern.  Some of your pension income is provided by your state pension, plus a work pension, but you also receive rental income and have some sizeable investments, other pensions, and a large cash sum from your work pensions which you have yet to draw on but probably don’t need.  Should you convert some of you remaining pension pots into an annuity, or instead leave it invested to grow, but then again risk it losing value if markets drop if you do leave it invested?  If you leave it invested you know that you could probably do with some professional, ethical investment management as you don’t know much about investing yourself.

Do you, in fact, need to keep hold of all of your accumulated wealth?  You might like to give some of it away to your children or to charity tax efficiently, either now or on your death.  You see the benefits of passing it on sooner rather than later, but then again you are worried that if you do you may have to pay for care in later life so perhaps you should hold on to it for now instead.  Or maybe you bring in more each month than you spend.  Should you be giving away the monthly excess, or passing on large lump sums instead?  Or both perhaps?  And what about moving money into a trust?  Would that be of benefit to you?  You might be due to inherit money at some point too. How do you account for that within your planning? Should you even?

If you relate to any of these comments feel free to get in touch to see if we can help.

Generating an income

We are well versed at helping clients generate and manage sustainable, long term retirement incomes from the assets they have available.

Passing on your assets

If it is a goal of yours to pass on some of your wealth effectively and efficiently, be it to your children, your partner or a charity, we can help you do just that.

Bringing you expert guidance

We're specialists in providing bespoke advice and ethical investment management for conscientious wealthy people with complex affairs and goals.

Managing your investments

Recommending and managing carefully filtered, responsible investment and pension funds is our bread and butter. Ask us and we'll tell you more.

The best kind of service

Our team provides a friendly, positive service that goes beyond what you might ordinarily expect. Your trust in us will be cemented from day one.

You’re getting the real deal

We are the experts in ESG funds. We’ll give you real ethical investments and help you understand the ethical debates going on behind the decisions.

Like the sound of how we work? Get in touch today to speak to us and have any questions answered. We are open from 9.30am to 5.30pm, Monday to Friday.

Good Green Money is the trading name and registered trademark of Good Green Money Ltd. Good Green Money Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the FCA register ( under reference 975586. Companies House registration number 14088618, registered in the UK. Registered office: 18 Highwoods Park, Brockhall Village, Blackburn, Lancashire, BB6 8HN

The guidance contained in this website is subject to the UK regulatory regime and is therefore targeted at consumers over 18 based in the UK.

When clicking on links to third party websites, Good Green Money has no control or responsibility for the pages you are about to access, or to where any subsequent links may take you.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at