Helping your employees

to consider their futures

Simon Thorpe

Head of Future Life Planning

The Changing Face of Retirement – A social commentary

• Attitudes

• Is 65 old?

• Healthcare

• Less physical jobs

• Gym explosion

• Smoking

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

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?

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

Important information

THIS DOCUMENT IS CONFIDENTIAL and intended solely for the use of the individual to whom it is addressed or any other recipient expressly authorised by Johnson Fleming 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, copying, distribution, or other dissemination or use of this communication is strictly prohibited.

Past performance is not a guide to the future. Potential for profit is accompanied by the possibility of loss. The value of investment funds and the income from them may godown 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 Johnson Fleming on request.

Johnson Fleming Group Limited is authorised as a Firm of Financial Advisers and our permitted business activity is advising and arranging life insurance, pensions, investments and general insurance contracts.

Johnson Fleming Group Limited is authorised and regulated by the Financial Conduct Authority (FCA Register number 599255, see http://www.fca.org.uk/register for registration details) and registered in England and Wales No 06272390.

Johnson Fleming Future Life Planning Limited (FCA 624599) , Johnson Fleming Limited (FCA 215110), Johnson Fleming Administration Services Limited (FCA 480883) and Johnson Fleming Services Limited (FCA 606750) are Appointed Representatives of Johnson Fleming Group Limited.

Registered Office: Johnson Fleming Group Limited, Fleming House, Bromsgrove Enterprise Park, Bromsgrove B60 3AL. JF040215