2 years away from retiring, could an IFA help?

[Mark300zx]

As above, retiring early at 55, emergency service pension, and a couple of rental properties that should bring in an income.

Would like to sit down with a financial expert to make sure my sums are correct and maybe gain other perspectives/ideas on my options.

Only trouble is not sure there is much money for an IFA to make out of me other than maybe a remortgage, or is just the chance of a remortgage enough to motivate them for a meeting?

[JulianPH]

You might be better to find one that charges and hourly fee for their time. What exactly are you seeking advice about, or are you simply seeking a second opinion as to whether your numbers stack up?

[Mark300zx]

JulianPH said:

You might be better to find one that charges and hourly fee for their time. What exactly are you seeking advice about, or are you simply seeking a second opinion as to whether your numbers stack up?

Yes would like to gain a second opinion, particularly with regard to refinancing/selling of the properties and also if there any issues/ideas I hadn't thought of, the pension I hope will be constant!

[BoRED S2upid]

Surely your employer (NHS?) has experts you can speak to or through your Union?

[Mark300zx]

BoRED S2upid said:

Surely your employer (NHS?) has experts you can speak to or through your Union?

There is a pre-retirement course available, but the waiting list is long, my union doesn't have anyone that I am aware of!

[JulianPH]

Mark300zx said:

Yes would like to gain a second opinion, particularly with regard to refinancing/selling of the properties and also if there any issues/ideas I hadn't thought of, the pension I hope will be constant!

If your pension is sorted then an accountant may well be a better option to provide a second opinion on your numbers. With regard to refinancing the properties Sarnie is your man here. Highly recommended by many (myself included).

[Mark300zx]

JulianPH said:

If your pension is sorted then an accountant may well be a better option to provide a second opinion on your numbers. With regard to refinancing the properties Sarnie is your man here. Highly recommended by many (myself included).

Thanks my accountant has deferred me to an IFA.

[BIGDAI]

Mark300zx said:

There is a pre-retirement course available, but the waiting list is long, my union doesn't have anyone that I am aware of!

In my experience pre-retirement courses are mainly about filling your time post-retirement but l would be very surprised if your union don't have an arrangement with someone - it's certainly worth asking the question.