Conservation stage: 75+

The key to conservation

In your later years, you’ll be thinking about what you can give to others now and in the future, and organising your assets to make sure your family don’t pay more tax than they need to.

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The golden years

Your later retirement years are about balancing the need to live comfortably with preparing for unpredictable life events such as illness or care needs. It’s also a good time to start thinking about how you will cover funeral expenses and making sure your will is up to date.

Health and wellbeing

Health and wellbeing become even more of a priority in your 70s. During this stage you are likely to encounter health issues, so you should also plan for possible care if you haven’t already.

Gifting money to family for inheritance

Gifting money to your family can make a huge difference to their lives and be enormously rewarding. You could use it to help your grandchildren get on the property ladder or pay off their university debt.

Lifestyle planning

As you get older your mobility may not be what it used to, so you’ll be thinking about how to simplify your lifestyle. This could involve downsizing or making changes to your home to make it easier to live in.

Retirement living for later life

During this stage declining health is a worry and you might be thinking of moving somewhere more manageable. A retirement home can give you your independence while still being near to friends and family.

Latest insights

Free financial resources to help you

Our experts have put together a range of free resources to help you learn more on financial planning in your 70s.

How can you comfortably talk about money?

Do you talk about financial matters with your family? According to our research, many of us tend to avoid the topic around the dinner table with loved ones – but why? Read our free guide that explores this common taboo through personal stories and expert tips; find out why being open about wealth matters.

How can I reduce my inheritance tax bill?

Inheritance tax (IHT) planning can be difficult because different emotions and expectations often collide. Think about your situation and start early so you don’t leave it too late.

Drawdown Calculator

Find out how much you money you will have for your retirement and how much you can draw upon for a sustainable income.

How can we help you create a secure financial future?

Sometimes all you need to get your financial goals on track is a step in a right direction. Explore our range of services and accounts to help you towards a more secure financial position in your 70s and beyond.

Wealth Management Service

Entrust your dedicated Financial Planner and Investment Manager to provide you with a holistic financial plan and personalised investment strategy.

  • We’ll explore your financial requirements to create a plan that matches your individual needs and goals.
  • We'll give you confidence in your investment decisions based on your investment strategy.
  • We’ll form a secure financial future for you and your loved ones.
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Planning Services

Whether you have a specific question about your finances or looking for someone to help you create a holistic financial plan, we can help you create a more secure financial future.

  • Financial Planning to build you a financial plan that’s specifically designed to meet your needs.
  • One Step Financial Plans provide guidance and streamlined advice around a commonly asked financial question for people with non-complex needs.
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Investment Services

We provide a wide range of investment services suited to your different needs, offering flexibility and choice so you can be involved as much or as little as you like with your investments.

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Request a call back

Get a better understanding of your current situation and the options available to you, take advantage of a free consultation with a financial expert.

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