{"id":31,"date":"2026-10-16T01:50:49","date_gmt":"2026-10-16T01:50:49","guid":{"rendered":"https:\/\/elementor.ltheme.com\/lt-finex\/retirement\/"},"modified":"2026-10-16T15:13:11","modified_gmt":"2026-10-16T15:13:11","slug":"retirement","status":"publish","type":"page","link":"https:\/\/elementor.ltheme.com\/lt-finex\/portfolios\/retirement\/","title":{"rendered":"Retirement savings"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"31\" class=\"elementor elementor-31\">\n\t\t\t\t<section class=\"elementor-element elementor-element-742b1ea e-con-boxed lt-sec lt-pagehead e-flex e-con e-parent\" data-id=\"742b1ea\" data-element_type=\"container\" data-e-type=\"container\" id=\"top\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-949feb4 e-con-full e-flex e-con e-child\" data-id=\"949feb4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42f72f2 lt-pagehead__title elementor-widget elementor-widget-heading\" data-id=\"42f72f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Retirement savings<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96d6b67 lt-lead elementor-widget elementor-widget-text-editor\" data-id=\"96d6b67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Building a pension pot, and then living from it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-e80ad36 e-con-boxed lt-sec e-flex e-con e-parent\" data-id=\"e80ad36\" data-element_type=\"container\" data-e-type=\"container\" id=\"before\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a062bb8 e-grid e-con-full e-con e-child\" data-id=\"a062bb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3227dc1 lt-photo lt-ar-photo elementor-widget elementor-widget-image\" data-id=\"3227dc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1600\" height=\"1068\" src=\"https:\/\/elementor.ltheme.com\/lt-finex\/wp-content\/uploads\/sites\/34\/2026\/10\/demo-lt-finex-couple.jpg\" class=\"attachment-full size-full wp-image-7\" alt=\"An older couple reading through financial papers together at home\" srcset=\"https:\/\/elementor.ltheme.com\/lt-finex\/wp-content\/uploads\/sites\/34\/2026\/10\/demo-lt-finex-couple.jpg 1600w, https:\/\/elementor.ltheme.com\/lt-finex\/wp-content\/uploads\/sites\/34\/2026\/10\/demo-lt-finex-couple-300x200.jpg 300w, https:\/\/elementor.ltheme.com\/lt-finex\/wp-content\/uploads\/sites\/34\/2026\/10\/demo-lt-finex-couple-1024x684.jpg 1024w, https:\/\/elementor.ltheme.com\/lt-finex\/wp-content\/uploads\/sites\/34\/2026\/10\/demo-lt-finex-couple-768x513.jpg 768w, https:\/\/elementor.ltheme.com\/lt-finex\/wp-content\/uploads\/sites\/34\/2026\/10\/demo-lt-finex-couple-1536x1025.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92d9a7b e-con-full e-flex e-con e-child\" data-id=\"92d9a7b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-011939f elementor-widget elementor-widget-heading\" data-id=\"011939f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Before and after you stop work<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76bd482 lt-lead elementor-widget elementor-widget-text-editor\" data-id=\"76bd482\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Before retiring, most people can take more risk because the money has years to recover. Afterwards, an income matters more than growth, and the portfolio usually moves down a level or two.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6470dca lt-ticks elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6470dca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">We review the level as your retirement date gets close<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">A monthly income paid from cash, topped up at each rebalancing<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">One statement for pensions and other savings together<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-0700c7f e-con-boxed lt-sec lt-tint e-flex e-con e-parent\" data-id=\"0700c7f\" data-element_type=\"container\" data-e-type=\"container\" id=\"income\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8876d2a e-grid e-con-full e-con e-child\" data-id=\"8876d2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a169783 elementor-widget elementor-widget-heading\" data-id=\"a169783\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Drawing an income from your savings<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ca3e2f lt-lead elementor-widget elementor-widget-text-editor\" data-id=\"2ca3e2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Most retired clients take a monthly payment. We keep about two years of payments in cash, so a fall in shares never forces a sale to pay you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61940ee e-con-full lt-rows lt-prices e-flex e-con e-child\" data-id=\"61940ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9b33356 e-grid e-con-full lt-price e-con e-child\" data-id=\"9b33356\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-883fd18 e-con-full e-flex e-con e-child\" data-id=\"883fd18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7945b69 lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"7945b69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Monthly payments<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77010ac lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"77010ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"lt-num\">Paid on the 1st<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15e8bef e-grid e-con-full lt-price e-con e-child\" data-id=\"15e8bef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b374dba e-con-full e-flex e-con e-child\" data-id=\"b374dba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-069041b lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"069041b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cash kept for payments<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-709f2b1 lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"709f2b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"lt-num\">About two years<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-de623c3 e-grid e-con-full lt-price e-con e-child\" data-id=\"de623c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-570f133 e-con-full e-flex e-con e-child\" data-id=\"570f133\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fec8c3 lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"0fec8c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Change the amount<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35f3db9 lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"35f3db9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"lt-num\">Any time, with a month&#8217;s notice<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3acc3c0 e-grid e-con-full lt-price e-con e-child\" data-id=\"3acc3c0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-46aeb97 e-con-full e-flex e-con e-child\" data-id=\"46aeb97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51920e2 lt-price__label elementor-widget elementor-widget-text-editor\" data-id=\"51920e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Usual levels for retired clients<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83309f3 lt-price__amount elementor-widget elementor-widget-text-editor\" data-id=\"83309f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"lt-num\">2 to 4<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93f8d0e lt-note elementor-widget elementor-widget-text-editor\" data-id=\"93f8d0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Facts (sample).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t<section class=\"elementor-element elementor-element-0010c0e e-con-boxed lt-sec lt-dark lt-cta e-flex e-con e-parent\" data-id=\"0010c0e\" data-element_type=\"container\" data-e-type=\"container\" id=\"meet\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-aa8621a e-grid e-con-full e-con e-child\" data-id=\"aa8621a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41e7072 lt-cta__title elementor-widget elementor-widget-heading\" data-id=\"41e7072\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Start with an introductory meeting<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3fe79d e-con-full e-flex e-con e-child\" data-id=\"f3fe79d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e42b229 lt-lead elementor-widget elementor-widget-text-editor\" data-id=\"e42b229\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>An hour at our office or by video, free and without obligation. Bring a recent statement for any savings or pensions you would like to talk about.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ae80e2 e-con-full lt-buttons  e-flex e-con e-child\" data-id=\"4ae80e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc72bf2 lt-btn lt-btn--primary elementor-widget elementor-widget-button\" data-id=\"fc72bf2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/elementor.ltheme.com\/lt-finex\/contact\/#book\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a27056 lt-btn lt-btn--outline elementor-widget elementor-widget-button\" data-id=\"0a27056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+15550246100\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Call the office<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":20,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-31","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/pages\/31","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/comments?post=31"}],"version-history":[{"count":1,"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/pages\/31\/revisions"}],"predecessor-version":[{"id":32,"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/pages\/31\/revisions\/32"}],"up":[{"embeddable":true,"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/pages\/20"}],"wp:attachment":[{"href":"https:\/\/elementor.ltheme.com\/lt-finex\/wp-json\/wp\/v2\/media?parent=31"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}