Financial Planning Clients | N2 Asset Management

Approaching retirement

The question is no longer how much you can save.

You've spent decades building what you have. The salary, the pension, the investments — each decision made sense at the time, even if they were never really joined up. Now the question is shifting. It's no longer about accumulation. It's about whether what you've built is actually enough, how you take an income from it without running it down too quickly, and what you want the next chapter to look like. That takes more than a drawdown strategy and a number on a spreadsheet.

How we approach this

We start with what you want the next chapter to actually look like. A holiday home, more time with grandchildren, work on your own terms, a phased exit from the day job. The plan flows from that, not from a generic asset allocation. Most of the time, the financial questions become easier once the life questions are answered.

Then the technical work. Detailed cash flow modelling out to age 100. Stress-testing against poor market years early in retirement, which is when sequence-of-returns risk matters most. A tax-aware drawdown sequence across pensions, ISAs and general investment accounts. Coordination with your accountant on annual tax planning.

Reviews that adapt to life as it actually unfolds. Markets shift. Health changes. Children move overseas. The plan needs to keep pace, not sit in a drawer.

The questions you might be asking

When can I actually stop working?

Will what I've built last as long as I do?

How do I take an income without watching the pot shrink faster than I'd like?

What happens to my partner if I die first?

Three pensions from three employers. What do I actually do with them?

A real story like yours

"Alex has been thoroughly professional and thorough in reviewing my needs and making suggestions for my financial planning. Financial investments and pension pots are always regularly reviewed and Alexander his team proactively make suggestions where change is needed. I feel I get the best out of my finances given my attitude to risk which is always assessed first."

Verified client, West Sussex · VouchedFor

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Already Retired

Now the day has come, you want to be sure it's working.

Retirement isn't a finish line — it's a new set of decisions. How much can you spend without anxiety? What happens to your estate if things change? Are your investments still structured for where you are now, rather than where you were when you first set them up? The financial questions don't stop when you stop working. We help you stay on top of them so your money keeps pace with your life, not the other way around.

How we approach this

An annual review meeting that's about your life first and your portfolio second. What's changed since we last spoke? What's coming up? A new house, a major gift to a child, an illness, a wedding. The plan adjusts before the markets force it to.

Drawdown sequencing reviewed against current market conditions. In a strong year we draw more from growth assets. In a weak one we draw from defensives or cash buffers so you're not forced to sell at the wrong time. Tax-efficient withdrawals coordinated with your annual allowances.

Estate and inheritance planning kept current. Coordination with your solicitor or accountant when needed. A clear succession plan if your partner ever needs to step in and run things cold.

The questions you might be asking

Am I drawing too much, too little, or about right?What happens to the plan if there's a bad market year ahead?Is my estate set up the way I think it is?Are my investments still appropriate for where I am now?What if my partner has to take this over without warning?

A real story like yours

"Eugen helped consolidate pensions and manages our portfolio. He explains things so we understand our options fully. We finalised our retirement plan and actually retired early."

Verified client, Hampshire · VouchedFor

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High earners not yet planning

Earning well, with most of it on autopilot.

Good income, growing assets, a pension that's probably fine, and genuinely not enough hours in the day to think carefully about any of it. If that sounds familiar, you're not alone. The problem with financial autopilot is that individually reasonable decisions — a pension here, an ISA there, a protection policy you barely remember taking out — tend to drift apart over time. By the time you sit down to look at the full picture, it rarely adds up the way you'd expect.

How we approach this

A full picture before we recommend anything. Every pension, every ISA, every protection policy, every account. Mapped, valued, and stress-tested for what it's actually doing versus what it could be doing. Most clients are surprised by what they find.

Annual tax planning ahead of P60. Pension and ISA maximisation, salary sacrifice optimisation, bonus deferral strategies, equity comp analysis where RSUs and options are part of the picture. The work that turns a high income into actual wealth.

A long-range plan with a clear destination. What does "I can stop working this hard" actually look like in numbers and years? Once that's defined, every decision in between becomes easier.

The questions you might be asking

Am I actually using all my allowances properly?

Should I be doing something cleverer with my bonus or equity compensation?

Is the protection I have in place still appropriate for where I am now?

When can I genuinely stop working this hard?

Where does all the money actually go?

A real story like yours

"Helped feel confident about where to put my money. Good advice on not saving it all but having a healthy balance of quality of life versus saving for the future. Always extremely efficient and responsive."

Verified client, Essex · VouchedFor

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US Citizens living in the UK

Two tax systems, one plan.

Living in the UK as an American citizen means navigating two tax systems simultaneously, each with their own rules, their own filing requirements, and their own ways of making things complicated. Pensions, investments, property, and estate planning all behave differently depending on which side of the treaty you're looking from. Getting this wrong is easy. Getting it right requires someone who genuinely understands both sides — not just one with a passing familiarity with the other.

How we approach this

Investment platforms and structures that work for both jurisdictions. PFIC-free fund selection on the UK side. Coordination with how your 401(k), IRA and US-based investments are positioned. The aim is one coherent portfolio, not two competing ones.

UK-US tax treaty navigation across pensions, Social Security, and income types. Coordination with a specialist US-UK tax preparer when filing season comes around. Annual planning that anticipates both sets of returns at once.

Estate planning that holds up on both sides. Different rules apply to gifts, inheritance, and the marital exemption depending on the spouse's citizenship status. The plan needs to be drafted with both jurisdictions in mind from the start.

The questions you might be asking

Can I actually invest in UK funds without triggering PFIC reporting?

What does the UK-US tax treaty actually do for my pension?

Should I keep my 401(k) and IRA where they are or move them?

When does my UK ISA become a problem for my US filing?

What happens to my estate plan if it has to satisfy both sets of rules?

A real story like yours

"Eugen delivered calm, professional guidance that gave me clarity and confidence. Eugen has a very good understanding of the US and UK legal and tax issues regarding international divorces and I now have a plan I trust and a much stronger sense of financial security."

Verified client, Surrey · VouchedFor

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Recent inheritance or lump sum

A meaningful sum has just landed.

Coming into a significant sum of money — whether through inheritance, a property sale, or a business exit — tends to come with an immediate pressure to do something with it. That pressure is worth resisting. The decisions you make in the first few months can take years to unwind if they turn out to be the wrong ones. We help you slow that down, understand what you actually have, what it means for your wider financial picture, and what the sensible next steps look like before anything is committed.

How we approach this

A no-pressure first meeting. Often the most important thing we do early on is help you do nothing, while we look at the bigger picture together. A few months of cash held sensibly is rarely the wrong answer while plans are being made.

A tax-aware planning approach from day one. Inheritance Tax, Capital Gains, and how this new sum interacts with allowances, existing investments and pension contributions. A clear view of what you actually have, after tax and after any commitments.

A long-term structure that respects both growth and protection. If the next generation is part of the picture, we plan with continuity in mind. If it's purely about your own retirement, the structure reflects that instead.

The questions you might be asking

Where should this sit while I figure out what to do?

What's the tax position I need to be aware of?

How does this change my wider financial picture?

Should I be paying down a mortgage, investing, gifting, or some combination?

What about the people already approaching me with ideas about what to do with it?

A real story like yours

"Alex has been proactive and professional in liaising with my financial team in Australia, and has put great energy into filling the gaps and ensuring that my investments (both in UK and Australia) are sound and appropriate. He has left no stone unturned and is a persistent sort of guy who will fight your corner."

Verified client, Surrey · VouchedFor

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No two financial lives are identical and most don't fit neatly into a category.

If your situation feels adjacent to anything on this page (or doesn't appear at all but is genuinely complex), the best thing to do is have a brief conversation. We'll either help, or we'll tell you who can.

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Title of post in wordpress: video test 1

What kind of investment portfolio would you hold if you did not know what the future held?

Risk and return explained

Lives that need more than a spreadsheet.

Find your story

Where the N2 approach fits

Situations we often handle

The question is no longer how much you can save.

Now the day has come, you want to be sure it's working.

Earning well, with most of it on autopilot.

Two tax systems, one plan.

A meaningful sum has just landed.

book a call

Ready to make a plan?

Title of post in wordpress: video test 1

What kind of investment portfolio would you hold if you did not know what the future held?

Risk and return explained

Lives that need more than a spreadsheet.

Find your story

Where the N2 approach fits

Situations we often handle

The question is no longer how much you can save.

Now the day has come, you want to be sure it's working.

Earning well, with most of it on autopilot.

Two tax systems, one plan.

A meaningful sum has just landed.

book a call

Ready to make a plan?

Diane Barrett

Alex Norwood