Approaching or enjoying retirement

Look forward to a new chapter

Learn more

Introduction

Retirement should bring a wealth of opportunity

Giving up work makes space for the things you love. You might want to see more of the grandchildren, or more of the world.

But retirement brings confronting questions too. Do I have enough to sustain my lifestyle? To leave something for loved ones? What if things change?

At Richmonde Laine, we offer wealth management for those approaching or enjoying retirement. Aligning your hopes and dreams with your income and assets – all in one clear plan – we help you step into the next chapter with confidence.

Get some clarity

Challenges of retirement

Feeling unsure about what’s ahead?

  • Knowing how much

    Do I have enough and can I sustain my lifestyle?

  • Making it last

    How should I draw on and use my wealth over time?

  • Maximising wealth

    Am I properly dealing with growth, tax and risk?

  • Supporting family

    What can I do for them, now and after I'm gone?

How we help retirees

Get a clearer view

The good news is that retirement could last many years. But the tricky thing is that your needs will change over time, which makes planning feel impossible.

We allow you to focus on your goals: what life do you want to live, now and in future?

Then we build a coherent plan that will do the rest of the work for you – because this is your time to step back and reap the rewards.

A joined-up approach for retirement

A connected plan is an effective plan

We bring together all the moving parts. Not just different pensions and investment accounts, but also income strategy, tax and estate planning, and all the other things that shape life after work. Not to mention constantly changing legislation.

Giving you a joined-up, forward-looking strategy, we make sure you can get the most from your wealth – and enjoy a richer, more fulfilling retirement.

  • Retirement objectives

    Knowing what you want across different stages of retirement

  • Consolidation

    Bringing all your assets into one clear, coherent structure

  • Retirement income

    Turning pensions, investments, savings into lasting tax-efficient income

  • Tax planning

    Using allowances, wrappers and withdrawal strategies

  • Cashflow modelling

    Stress-testing different choices across different life stages

  • Investment planning

    Shaping a portfolio to your risk levels, income and timeframe

  • Protection

    Safeguarding family against illness, loss of capacity, other shocks

  • Estate planning

    Knowing how best you can support the next generation

Understanding retirees

For the past thirty years, we’ve looked decades ahead

Some clients spend as long in retirement as they do at work. If you answer the tricky questions now, you're less likely to face tricky choices later in life - and, rather than becoming a time for scaling back, your later years can be about fulfilling your ambitions"

Marcus Hamblin

Chartered Financial Planner

Meet Marcus

Why we're different

  • Personal touch

    Your plan is bespoke, individually tailored to the questions you most need to answer.

  • Long term mindset

    We think in decades, not quarters, guiding you from one economic season to the next.

  • True partnership

    By acting with integrity, we build lasting, trusted relationships with our clients.

  • People who care

    We care deeply – not just about the numbers, but how it feels to work with us.

  • Independent advice

    As an independent firm, we offer advice based purely on what’s best for you.

  • Technical excellence

    With industry-leading technologies and team, we set the highest standards.

Integrated financial planning

Working as one

Investments, tax, pensions and retirement planning – these all influence one another. At Richmonde Laine, we bring them together in such a way that they become more than the sum of their parts.

Retirement plan

Retirement plan

Objective setting

Be clear about where your wealth is right now – and what you want from your retirement

Investment planning

Build a portfolio that matches your goals, needs, risk profile and timeframe.

Tax planning

Get the best from your hard-earned income, investments and assets.

Cashflow modelling

Visualise and stress-test how your wealth might evolve with different decisions.

Protection

Safeguard your business, your lifestyle and your loved ones for when the world throws curveballs.

Retirement planning

Know what "enough" looks like - and start planning for an exciting new chapter

Estate planning

Enjoy your wealth now, and leave loved ones a legacy when the time comes.

Testimonials

This is what confidence sounds like

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    Hugo Fyrst

    CFO, ACME Ltd.

  • A brilliant firm, tationsendi dolup turem aperunt rerectur, ut et, tem lam ut ped quam, officid modi dolup turem.

    John Smith

  • As long term clients we have experienced exceptional planning, guidance and service from this excellent firm for more than 20 years.

    Michael Howard-Kyan

    CEO, Spargo Engineering

The Richmonde Laine approach

Putting you first

By beginning with your questions – however emotional, difficult, half-formed – we help you reach the right answers.

  • Meeting you

    We meet you to learn about your life and priorities. We also share a bit about what we do, to make sure we’re the right fit for you.

  • Mapping your wealth

    We review everything from your income sources to investments, exploring where you are now and where you want to be in future.

  • Making a plan

    We create a joined-up, forward-looking strategy. Since we’re independent, it will feature only those solutions we believe are truly right for you.

  • Managing the process

    Once you’re happy, we handle everything from provider transfers to pension restructuring, leaving your wealth organised and clear.

  • Staying on track

    We meet you regularly to review and adapt your position, based on any changes in markets, legislation, and life priorities.

Articles

Bright ideas for a bright future

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Advice for life

Ready to make these your most enriching years yet?
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Frequently asked questions

Confidence starts with clarity

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