Lester
About four years ago I started thinking about when and how I could give up my professional role. I wanted to give myself the time to do other things. I had enjoyed my career, but it did not define me.
So, I needed to understand how and when it would be feasible for me to retire. I had built up a sizeable pension āpotā with my employerās scheme but I knew that I wouldnāt have access to advice once I stopped working.
After asking a few friends, I drew up a shortlist of four financial planners. All the shortlisted provers were smaller players, as I wanted a personal rather than corporate service. After meeting all four, I opted to work with Martin and HDA. In an industry that often seems to pride itself on complex and opaque charging models, I found the HDA offer clear and straightforward to understand.
Martin took the time understand our needs and priorities. He helped me adjust my mindset from prudent accumulation to making my pension work as efficiently as possible to meet our future needs.
Iāve found Martin to be knowledgeable, patient, reflective and responsive. Ā He is conscientious and diligent in checking I understand the possible downsides as well as upsides of any decisions made. I think Martin is acting in my best interests, and I feel I can trust him. I have confidence that he understands what I want to achieve.
Martin makes himself available to talk things through and I value the personal relationship we have. Being in the same town also makes it very convenient as weāre able to meet Martin face to face, either at his office or at home.
Iām happy with the stewardship of our money, knowing that thereās a good balance of risk and return. Ā Self-managing my SIPP may have been cheaper, but I definitely see the value in HDAās advice around my investments.
Now that I have retired, I can spend more time on voluntary work, riding my bike, walking the dog, and looking after my bees. Itās also great to put more time into being a husband and a dad; my work took me away from home a great deal and Iām glad not to do that anymore.
Electing to finish work is not the same as being made redundant or reaching a pension age āhard stopā. Itās a big adjustment and you need to put as much effort into planning ālife after workā as you do your professional life. Otherwise your retirement wonāt give you what you want. HDA has helped me get started in this new chapter of my life.
Lester, Cheltenham
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