Planning for Retirement
Expert financial guidance, tailored to you

Planning your retirement with purpose
Retirement is one of life’s biggest transitions - but it means something different to everyone.
Whether you’re picturing a clean break from work, a gradual step back over time, or continuing with passion projects well into later life, it all begins with clarity. The challenge isn’t just financial - it’s knowing what you want from the next chapter, and how you’ll make the most of your new seven-day weekend.
We want you to feel confident about spending what you’ve built - not anxious about running out.

When should you start planning for retirement?
Retirement planning can feel overwhelming and it’s easy to put it off. But by taking action and speaking to us now, you’re giving yourself the best opportunity to achieve your retirement goals and, ultimately, enjoy your retirement on your terms.
The starting point is working out what you want to achieve and asking yourself questions such as:
- When would you like to retire?
- What does your ideal retirement look like?
- How much do I need to achieve my goals?
- Will I run out, or will I not spend enough?
If any of those questions are difficult to answer, now’s the time to put a plan in place. We’re here to help you gain clarity, take control, and move forward with confidence.


The things you need to consider
There’s a lot to think about when it comes to planning your retirement, and it’s not just about how much you’ve saved. A strong plan should reflect the reality that retirement can last 20 years or more - and those years may not look the same. Many people spend more in their early retirement while they’re active, travelling, or pursuing new experiences, so it’s important to build in that flexibility.
It’s also essential to consider how and when you’ll draw income, how your assets are structured and whether your current mix of pensions, investments, ISAs, and savings are working as hard as they could be. Making the most of available tax allowances before and during retirement can have a big impact over time - as can managing your cashflow in a way that supports the lifestyle you want without risking overspending.
Beyond income, there are other important areas to address. These might include reviewing any protection policies you still hold, ensuring your estate plan reflects your current goals, or thinking ahead to potential care needs and medical costs. You may also want to help family members financially, or plan how wealth is passed on - all without compromising your own future.
And if you’re a business owner, there’s the added layer of deciding how and when you’ll step back, whether through a succession plan or a sale. It can feel like a lot to juggle - but with the right advice and planning, you can bring everything into focus and move into retirement with clarity and confidence. That’s where we come in.
Life after retirement
Retirement isn’t just about money - it’s about how you spend your time, where you find purpose and the legacy you want to leave behind. For many, this stage of life brings the opportunity to focus on lifestyle goals, support charitable causes, plan how wealth will be passed to the next generation, and ensure everything reflects their personal values.
It’s a time to consider what matters most and to make thoughtful decisions that go beyond finances. With the right plan in place, retirement can be both financially secure and deeply fulfilling.

Questions that we’ll help you answer
It’s a balance many people want to strike - helping children or grandchildren financially while still protecting their own retirement. We work with you to find that balance, modelling the impact of different decisions and building a plan that ensures your generosity doesn’t come at a cost to your own security.
Stopping work doesn’t mean your pension and investments stop too - they simply take on a new purpose. We help you transition your portfolio from growth-focused to income-generating, while still protecting and managing risk in line with your stage of life.
Deciding when and how to step away from a business is a big decision. We help business owners explore their options, understand the long-term financial impact, and time any sale or succession in a way that aligns with both their retirement and their wider goals.
Find out more about how we help business owners here (ADD LINK)
Tax planning doesn’t stop when you retire. In fact, it becomes even more important. We help our clients use allowances wisely, structure withdrawals sensibly, and make the most of their assets in a way that minimises unnecessary tax and keeps more money working for their future.
Many people reach retirement without a clear idea of how to turn what they’ve built into something they can live off. We help you create a strategy that converts your pensions, investments and savings into a tax-efficient income stream that’s sustainable, flexible and built around your needs.
It’s natural to worry about whether your money will last. We help you look at everything you have - from pensions to savings to other assets - and model what your future could look like. With a clear plan in place, you’ll have the confidence that your lifestyle is supported not just now, but long into retirement.
This is one of the most common questions people have about retirement - and without clarity on your finances and a clear vision of what retirement looks like for you, it’s almost impossible to answer. We work closely with you to understand what you want from life after work and build a tailored plan that helps you pinpoint when retirement can realistically happen.
Still have questions?
Get in touch with us today and let's have a chat. Initial consultations are complimentary.