Retirement strategies | R A Clement Associates | Argyll

Retirement strategies

We all hope that our standard of living will not drop drastically when we retire. Forward planning and good advice are needed for a comfortable retirement. R A Clement Associates can advise you on all aspects of retirement, not just pensions but there are many questions to consider.

So how do you ensure a good retirement?

Have a look at the topics listed below and then arrange an appointment at one of our offices. We will go through all the options with you and together we can decide on the optimum strategy for your retirement.

Telephone 01631 562 643 for the Oban office and ask Helen to make you an appointment with one of our professionals. For an appointment at the Fort William office call on 01397 700 171.

If you are reading this outside normal, office hours you can email us with your contact details and we will get someone from the appropriate office to call you back.

Some of the questions you need to consider are listed below.


What type of pension is best for your circumstances? When should you start paying in? Is it even worth considering a pension or should you invest in property? If you are a company director are you aware of the pension possibilities open to you? If you are making contributions to a pension, are you making use of all your allowances?

Exit Strategies

If you own a business, how do you set about retiring? Will you withdraw from the business whilst leaving it to be run by a successor? Do you have a workable succession plan? Do you wish to sell the business? If you are planning to sell up and retire how will you value the business, find and negotiate with potential buyers? Do you know the capital gains tax implications of the sale?

Savings and Investments

Many people look to savings and investments to provide additional income in retirement.  Do you have the right balance of products? Will you feel the need for additional security as you near retirement?

Life assurance

Many mortgage agreements and pension plans provide an element of life assurance, but is this enough to secure your dependants quality of life if you die? Do you have too much life assurance cover? Do you want your life assurance premiums to contribute to a savings plan? Are the renewal terms for your life assurance competitive?

Long term care

How do you plan financially for a time when you might need to be cared for in your home or in residential accommodation? If you become ill, would private medical care be preferable to relying on the NHS?

...So many tricky questions to consider but we can help you if you contact us.