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Wren Sterling is a proud sponsor of Lemon Pickleball, but increasingly, members are asking: what do Wren Sterling actually do, aside from making the Lemon stash sing with our logo?
If you spoke to us at the recent tournament in Highgate, you might have picked up our brochureware, or spoke to us about financial planning.
As a Financial Planner, my job is to help people build and protect their wealth. If that sounds a little opaque, here are a few typical ways we work with clients – and we’re offering Lemon Pickleball members a free initial consultation to see what you could do to improve your long-term financial position.
Bringing pensions together to create a coherent retirement plan
Most of us have multiple jobs over the course of our careers. Through auto enrolment especially, there can be many pension schemes to bring together to work out how much you have saved, what that might look like in retirement, or when you could stop working.
Very often, the clients I have are surprised by just how much they have accrued in pension savings, and the clarity they find through seeing it all written down or plotted on a chart, can help them plan for the next stage of their life with confidence.
Making savings work harder through an investment strategy
Rainy day cash is so important for keeping us on track, but the only way to possibly beat inflation and preserve the value of your money is to invest. With so many investment products on the market, knowing which one to choose is a minefield. That’s why, as an independent financial adviser, I can recommend the right investment for you, taking into consideration your personal circumstances, the level of risk you’re comfortable with, and your long-term ambitions.
Protecting high earners from unnecessary taxation
The UK tax system has “cliff edge” points where individuals can find themselves paying very high marginal rates of tax. Anyone earning over £100,000 a year with young children can pass up the chance to utilise childcare funding, while losing their personal allowance, so it can pay to make additional pension contributions.
In another example, those breaching the £60,000 a year annual pension contributions allowance can end up paying a high rate of tax on anything above that. There are strategies to keep as much of your hard-earned cash working for you, but it has to fit with your overall objectives.
Book a free 30 minute consultation
These are just a handful of ways in which I help people, but perhaps the single biggest benefit is knowing it’s all in a coherent plan, and if you work with Wren Sterling, your Financial Planner is with you every step of the way to make sure whatever we put in place remains suitable in the long-term.
If you would like to make an appointment with me, please email nadia.khan@wrensterling.com or call me on 07355 609401
IMPORTANT: A pension is a long-term investment accessible from the age of 55 (rising to 57 from April 2028). The value of an investment and the income from it is not guaranteed and you may get back less than you originally invested.