Attaining retirement goals, together

As a Financial Adviser, you know that each client’s needs are unique when it comes to their retirement goals. This is shaped by various factors such as past experiences, present ambitions, and the future they envision for themselves and their family.

However, we also know that retirement means different things to different people and that it’s the role of a Financial Adviser to help clients make their retirement goals a reality regardless of where they find themselves in their life stage.

For many, retirement means continuing to live a purposeful and fulfilling life while pursuing activities they have always wanted to do. However, there is no one-size-fits-all approach when it comes to retirement planning, and each client’s needs would depend on where they are at their life journey and should be met accordingly.

A young entrepreneur might see retirement as an opportunity to leave the world of nine-to-five behind to run an organic farm and start a community upliftment programme, while a seasoned career professional might want to pursue their passion for repairing classic cars or travelling the world. For someone who has worked their whole life preparing for this pivotal moment, retirement means spending time with their children and grandchildren, allowing them to enjoy the full extent of the legacy they have created over decades.

Therein lies a wealth of opportunities for a Financial Adviser to work with a client, taking their current and future goals into consideration, to craft a holistic retirement plan that makes them comfortable knowing that their goals are attainable in the timeframe that suits them, as well as ensuring that their hard-earned retirement income is adequately protected.

What is attainable now financially and what could be in the future with the right coaching are just some things that need to be considered when planning for retirement. This also needs to be considered when planning for life’s uncertainties, such as sudden illness or disability, which could derail the best-laid retirement plan if not managed with the correct guidance and foresight.

At Liberty, we’re as invested in your clients’ retirement goals as you are. This means no matter where your clients are in their retirement journey, or how far they are towards their retirement, whether it’s in the next five, ten or 20 years, our range of pre-and post-retirement solutions, combined with your wealth of expertise and advice, can help them achieve their retirement goals.

We also have a range of investment strategies to suit different client goals giving you the option to tailor-make solutions to help clients achieve their financial independence in retirement.

In addition to this, we have built a goals-based investing tool that is simple to use, includes five multi-strategy investment portfolios, and creates easy-to-understand investment proposals for your clients. Powered by STANLIB, each portfolio has been designed to deliver on performance and combines a diversified set of carefully selected, uncorrelated strategies to ensure the best outcomes for your clients.

Of course, we know that there are many ebbs and flows and variables when it comes to financial planning and that life hardly ever follows a straight line. Should your clients’ goals or circumstances change at any stage, you can change the choice of portfolios by simply switching it to one that is more aligned to their revised goals and needs.

Our multi-strategy portfolios have been designed to deliver on a goal-based performance benchmark. The strategy adopted in managing these portfolios is style agnostic and allows investors access to a range of portfolio managers to ensure the best outcomes for clients through shifting market cycles. This allows your clients the freedom, trust, and assurance to know that regardless of where they find themselves in their current life stage, our investment propositions have been suitably and carefully constructed with your clients’ goals in mind. As the pioneers of retirement funds in South Africa, we truly believe in the philosophy of being invested together with you.

You can visit www. Liberty.co.za and look at our range of investment and risk solutions to ensure holistic retirement planning for your client.

Disclaimer

This material does not constitute tax, legal, financial, regulatory, accounting, technical or other advice. The material has been created for distribution to intermediaries only and is not for distribution to the public. The material does not contain any personal recommendations. While every care has been taken in preparing this material, no member of Liberty gives any representation, warranty or undertaking and accepts no responsibility or liability as to the accuracy or completeness of the information presented. If there are any discrepancies between this document and the contractual terms and conditions, the terms and conditions will prevail. Any recommendations made must take into consideration your client’s specific needs and unique circumstances.

Liberty Group Ltd is a Licensed Life Insurer and an Authorised Financial Services Provider (no. 2409). Terms, conditions, risks and limitations apply.