Pension & Retirement Planning

Shot on location in Lytham

Planning for the future you want

Retirement isn’t about winding down - it’s about having the freedom to make choices on your own terms. That starts with a plan. It’s your time to live the lifestyle you’ve worked hard for, without having to cut back or second-guess your choices.

Everyone’s version of retirement looks different. For some, it’s a clean break from work. For others, it’s about building flexibility, time with family or pursuing personal projects. That’s why your retirement strategy should be as individual as you are.

At Two10, we build personal retirement plans that align your pensions, investments, assets and income into one clear strategy. Our focus is on creating financial freedom and allowing you to enjoy the lifestyle you want. Whether retirement is decades away or just around the corner, we help you plan with confidence and flexibility.

Are you on track, or just hoping you are?

Many people reach midlife with a mix of pensions, investments and savings - but no clear plan. Business owners often don’t have an exit strategy. Professionals may feel unsure whether they’re on track to retire when or how they want to.

We help bring clarity to the confusion. Our advisers will:

Review all your pension pots (workplace schemes, private pensions, SIPPs)
Create a personalised cash flow model so you can see what the future looks like
Maximise your pension allowances, including carry forward opportunities
Help you spend with confidence, without fear of running out later
Plan around key life events - from business exits to family needs or lifestyle changes
Structure your income and assets to strike the right balance between lifestyle, security and tax-efficiency

You don’t need to guess anymore. With the right plan, you’ll know you’re on track.

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Pension and retirement planning services

Shot on location at Lowther Gardens, Lytham

From accumulation to enjoyment

If you're still building wealth, we help you make the most of this stage by maximising pension contributions, using surplus personal or business cash. We also guide you in separating business and personal assets, and integrating ISAs and investments for long-term benefit.

If retirement is approaching, we focus on real-life questions like: When can I retire? What lifestyle can I afford? Our planning includes lifestyle modelling and reviewing whether drawdown or annuities are right for you. If you're a business owner, we support you with exit planning and risk rebalancing to reflect this new stage of life.

Wherever you are on the journey, we make sure you shift from saving to spending with clarity and peace of mind.

Our local team by your side

We believe good planning starts with real relationships. Our team is based locally and takes the time to get to know you face-to-face, with consistency and care.

You'll work with a dedicated adviser who understands your story, your goals and your concerns. We also collaborate with your accountant, solicitor or other trusted professionals to ensure your financial strategy is joined-up and aligned.

You’ll never be overwhelmed with jargon, assumptions or one-size-fits-all advice - just honest, expert guidance.

Pension and retirement planning, Preston

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How we can help with pension and retirement planning

Will, one of our Financial Planners and Wealth Managers, discusses how we help our clients achieve the retirement they want and deserve.

Financial Planning FAQs

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When can I afford to retire?

This depends on your lifestyle goals, income needs and available assets. We use personalised cash flow models to help you understand when retirement becomes financially viable - and what changes might bring that date closer if you wish.

How much is ‘enough’ in retirement?

‘Enough’ is different for everyone. We work with you to define what your ideal retirement looks like, then calculate how much you’ll need to support it - adjusting for inflation, lifestyle and unexpected costs.

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Should I combine my pension pots?

Combining pensions can simplify things and reduce fees, but it’s not always the right approach. We review all your pots to assess performance, benefits and risks before advising on consolidation.

How do I use business profits for retirement?

We help business owners extract profits in a tax-efficient way - whether through pension contributions, dividend planning or structured business exits - so your business supports your future.

Is my pension enough - or do I need other investments too?

A pension is an important part of your retirement plan, but it’s rarely the whole picture. We help you build a broader investment strategy to support flexibility, tax efficiency and long-term peace of mind.