• You contributed to a Company or personal pension plan whilst you lived and worked in the UK
• You have now left the country and achieved your dream retirement in the sun
• What happened to your pension plan in the UK when you left?

If your plan is still in the UK consider the following points:

It’s no secret that dealing with financial matters such as investments, life assurance or retirement planning, can be complex. Just getting to grips with the language used can be challenging enough. With national Governments and Financial Regulators constantly changing the legal and regulatory frameworks for financial services, professional advice is essential in every aspect of financial planning. It is crucial that you choose an adviser you can trust and is capable of delivering your goals and objectives.

Hi there, my name is Darren Mills. You may be thinking to yourself “who are you” which would be logical if you don’t know me. For that reason, I thought I would tell you a bit about myself.

I am 49 years old and have been working in financial services for just over 31 years. I am married to Sabine (a French national) and we have a 3 year old son, Lewis who was born here in Gibraltar.

WHAT IS IT?

Instead of investing a lump sum on one day, you do it over a period of time

WHY SHOULD YOU CONSIDER IT NOW?

• Financial markets are starting to show signs of declining

Ever been told by a financial adviser that he/she is providing “free advice”?

That there are “no fees” or better still, that there is an “all in charge of X% per year?

DON’T BELIEVE IT FOR A MINUTE!!!

What happens when you are feeling ill? You go to see your Doctor, right? What happens once you are in the Doctors surgery? A conversation takes place between you and your Doctor during which you tell him/her what is wrong. The Doctor then asks you a number of questions and may perform a number of examinations in an attempt to diagnose the problem.

• How much do you want?
• How much do you need?
• What is realistic?

How do you decide what is an appropriate amount for you to live on in retirement?

1. To ensure that they are on track to fulfil the purpose you put them in place for. Consider the implications of not being in a position to pay a bill when due, buy a house (for you or your children) when you had planned to do, retire by a certain age. The list goes on.

Aside from the wonderful climate, beautiful sandy beaches, exquisite food and friendly people, Portugal also offers significant wealth planning opportunities.