{"id":2183,"date":"2018-06-18T15:34:28","date_gmt":"2018-06-18T15:34:28","guid":{"rendered":"http:\/\/www.fpgonline.co.uk\/?p=2183"},"modified":"2023-09-19T10:42:48","modified_gmt":"2023-09-19T10:42:48","slug":"penny-planning-versus-penny-pinching","status":"publish","type":"post","link":"https:\/\/www.fpgonline.co.uk\/index.php\/penny-planning-versus-penny-pinching\/","title":{"rendered":"Penny Planning Versus Penny Pinching"},"content":{"rendered":"<div>\n<div class=\"msg-quote\" lang=\"EN-GB\"><\/div>\n<div class=\"msg-quote\" lang=\"EN-GB\">\n<p>Enjoying your retirement, after years of hard work, is a situation we all hope to achieve, however, many pensioners struggle with fears about over spending, or running out of money later in life, meaning that when it becomes time to relax and enjoy their savings, people often don\u2019t.<\/p>\n<p>Of course, everyone can, and should, save (accumulate) for the future \u2013 and clearly the rate at which any pensioner can afford to spend their provisions (decumulation) is specific to their personal circumstances \u2013 however, with the right forecasting advice, retirees needn\u2019t worry unduly and we often remind our clients that if they don\u2019t start to spend their savings early in retirement, and enjoy themselves, then they tend to die with lots of money.<\/p>\n<p>Here at The Financial Planning Group,we have over 30 years\u2019 experience in advising clients on how to spend their savings, WITHOUT running out of money. As chartered financial planners, we employ sophisticated \u2018future-forecasting\u2019 software to aid in the advice process, where we can model various retirement scenarios and stress test them all.<\/p>\n<p>We guide our clients through the complex world of pension freedoms and let them get on with enjoying the retirement their savings enable them to enjoy and have peace of mind.<\/p>\n<\/div>\n<div class=\"msg-quote\" lang=\"EN-GB\">\n<p><b>If you would like to like to arrange a consultation at our offices in the heart of Teddington, please call Tim Norris or Alan Clifton on 0800 731 7614.<\/b><\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Enjoying your retirement, after years of hard work, is a situation we all hope to achieve, however, many pensioners struggle with fears about over spending, or running out of money later in life, meaning that when it becomes time to relax and enjoy their savings, people often don\u2019t. Of course, everyone can, and should, save [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2183","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Penny Planning Versus Penny Pinching - The Financial Planning Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fpgonline.co.uk\/index.php\/penny-planning-versus-penny-pinching\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Penny Planning Versus Penny Pinching - The Financial Planning Group\" \/>\n<meta property=\"og:description\" content=\"Enjoying your retirement, after years of hard work, is a situation we all hope to achieve, however, many pensioners struggle with fears about over spending, or running out of money later in life, meaning that when it becomes time to relax and enjoy their savings, people often don\u2019t. 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