Personal

Personal Life Cover

Pays a lump sum in the unfortunate event of death.

Critical Illness Cover

Pays a lump sum if you're diagnosed with a critical illness.

Income Protection Cover

Pays an income if you're unable to work through accident or sickness.

Workplace

Group Life Cover

Pays a lump sum if an employee dies.

Group Critical Illness Cover

Pays a lump sum if an employee is diagnosed with a Critical Illness.

Group Income Protection

Pays an income if an employee is unable to work through accident or sickness.

Business

Key Person Life Cover

Financial security for your business in the unfortunate event of death of a Key Person.

Key Person Critical Illness Cover

 Pays a lump sum to a business upon diagnosis of a defined critical illness of the insured Key Person.

Shareholder or Partnership Protection Plan

Ensures surviving owners remain in control of their business.

Pensions

Simple plans for individuals and businesses.

Jersey

Jersey Workplace Pensions

Easy to manage pension plans for employers and their employees in Jersey.

Rossborough Personal Retirement Plan

A low cost, flexible way to save for your future.

Guernsey

Guernsey Workplace Pensions

Easy to manage pension plans for employers and their employees in Guernsey.

The Guernsey Retirement Plan

A low cost, flexible way to save for your future.

Secondary Pensions

We can help employers comply with new upcoming laws in Guernsey. 

Retirement

Discover what you can do with your pension.

Jersey

Guaranteed Income for Life

Use your pension fund to purchase an annuity to provide a guaranteed income for life.

Flexible Income

Take withdrawals directly from your pension fund via a Retirement Trust Scheme.

Pension Drawdown

Take unlimited withdrawals directly from your pension fund via a Pension Drawdown Contract.

Retirement Planning

A flexible, personalised plan for a stress-free retirement

Take cash

Unrestricted access to your pension fund.

Guernsey

Guaranteed Income for Life

Use your pension fund to purchase an annuity to provide a guaranteed income for life.

Flexible Income

Take withdrawals directly from your pension fund via a Retirement Annuity Trust.

Retirement Planning

A flexible, personalised plan for a stress-free retirement

Take cash

Unrestricted access to your pension fund.

About Us

Learn more about the pensions, savings and protection specialists with over 12,000 local pension members.

About Rossborough Financial

About Us

Learn more about the pensions, savings and protection specialists with over 12,000 local pension members.

Careers

Find out more about working for Rossborough Financial and browse our current vacancies. 

Team

Meet the team at Rossborough Financial

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Careers

Retirement Planning

A flexible, personalised plan for a confident, stress-free retirement

What is a Lifetime Financial Plan?

  • A Lifetime Financial Plan is a ‘roadmap’ that captures all of your financial assets (and liabilities) – regardless of which firm they’re held with, providing an overview of your current and potential future financial position.
  • Designed to capture your retirement goals – whether that’s a round the world trip, purchase of a classic car, volunteering overseas or gifting the deposit to your child for their first property purchase.
  • Intended to identify the stepping stones needed to make your retirement vision a reality, the plan is unique to you.

Why do you need a Lifetime Financial Plan?

A personalised plan will provide you with clarity, assurance and detailed understanding of your finances, meaning you will have the confidence to make informed financial decisions to bring your retirement to life.

Benefits

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Start with a consultation

There’s no obligation, just expert advice to help you prepare for the future with confidence.
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Simplify your retirement planning

We’ll review your finances to provide clear advice, making your retirement journey straightforward and stress-free.
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Personalised financial advice

Our expert team will provide tailored guidance and robust forecasting to give you a clear perspective on your assets and future plans.
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Adaptable to life’s changes

Your retirement plan can be easily adjusted to reflect significant life events, keeping your financial goals on track.
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Prepared for the unexpected

With detailed stress testing, we’ll ensure your plan is resilient, giving you peace of mind no matter what challenges arise.
“ The financial planning meetings have been extremely beneficial in helping me feel more knowledgeable and secure about my future. ”
Soon to be retired Jersey client

Advice you can trust

Clarity with integrity

Peace of mind

Contact us

Interested in booking a consultation?

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Next steps

Contact Rossborough Financial to organise a meeting to find out more about our financial planning service.

Contact Us

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FAQs

How does lifetime financial planning work?
  • Learn how much money you need to support your current and future lifestyle.
  • Understand how much you should spend, invest, and save to create financial security for you and your family in retirement.
  • Don't sacrifice what matters most to you out of fear of running out of money in retirement.

 

 

What it’s not
  • Your plan will not be static – it will be changed and updated so that it continues to reflect your evolving goals, personal and financial circumstances.
  • A product-push - you won't be sold a product at the end of the journey – unless it’s a product that is needed in order to help you meet your retirement goal’s.
What's included in my free consultation?

We simplify retirement by helping you answer the question:

How much do I need to stop working and enjoy my ideal lifestyle?

 

The initial conversation will see us taking the time to get to know you—your life goals, plans and aspirations, as well as the timeline for achieving them. Please note that our first meeting, where we will establish some of the answers to these questions, is at our firms expense. There's nothing for you to pay until you are sure you wish to continue on your financial planning journey with Rossborough Financial."

How can Rossborough help me optimise my finances?

Every individual's vision for retirement is unique. Our process starts by understanding what a fulfilling retirement looks like for you. Producing a Lifetime Financial Plan using financial forecasting software, this will help create the peace of mind you need to feel comfortable with your financial future.

 

As well as helping you with Pension & Retirement Planning we also offer a range of services that are tailored to meet your needs. Your Rossborough contact will help you identify which services will help achieve your goals.

What happens if my circumstances change?

Life is unpredictable, and your financial situation can change unexpectedly due to various factors such as career changes, life events, family milestones, or market conditions. Regular updates help you stay on track and adapt to these changes effectively.

Is there any obligation after the consultation?

There is no charge for your initial meeting and no obligation to work with us after this point, it’s simply a chance to decide if we could be a good fit for you.

 

After the initial meeting. We will clearly outline the fees and charges involved with helping you put together a detailed lifetime financial plan as well as any ongoing fees to keep the plan updated.