Retirement, pension scheme, income, finance,

1. Helping your employees
to consider their futures
Simon Thorpe
Head of Future Life Planning

2. The Changing Face of Retirement – A social commentary
• Attitudes
• Is 65 old?
• Healthcare
• Less physical jobs
• Gym explosion
• Smoking

3. How do members of pension schemes secure their income or,
how do I live the life I want without running out of money?
• Annuities
• Enhanced Annuities
• Freedom of Choice
• It’s not just about pensions
• Which choice?
• Choice can paralyze decision making
• Solutions are secondary to
5 important questions

4. Five Questions…
...everyone should ask of themselves before considering financial decisions prior
to or at retirement:
• Can I generate enough income to live the life I want?
• How much is enough to continue doing what I love now?
• What do I need to do to ensure I never run out of money?
• When is the earliest I can retire and continue to live the life I want?
• How much is enough to make sure my family is secure,
whatever happens?

5. Johnson Fleming Future Life Planning
• Financial advice is critical in helping members
plot their futures
• Part of Johnson Fleming’s Retirement Service
• Helps members answer the 5 critical questions
• A comprehensive life long plan
• Initial Life Planning Meeting at
Johnson Fleming’s expense

6. Important information
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Future Life Planning Limited, in writing or otherwise, to receive the same. If you are not the addressee or authorised recipient of this document, any disclosure, reproduction,
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down as well as up and investors may not get back the original amount invested. Johnson Fleming reserves the right to charge additional fees for financial advice services,
including individual pension transfer and retirement options services.
The content of this presentation is for information purposes and is based upon our experience and understanding of the financial services market place at this time. The
content should not be viewed as financial advice, but is intended to provide an overview of possible considerations or options. A formal recommendation will be made in writing
once the decision is taken to formally appoint Johnson Fleming as advisers.
The information contained within this promotional material should not be viewed in isolation and is based on Johnson Fleming Group Limited’s views and understanding
of current UK legislation, which is subject to change, and should be read in conjunction with other relevant literature which is available within the public domain. The views or
opinions expressed within this promotional material are based upon our experiences of the financial services market place at this time.
If you have any doubts as to whether the content of this presentation meets your personal needs you should seek personal financial advice which is available from
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and general insurance contracts.
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