Planning for Retirement

Expert financial guidance, tailored to you

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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.

Helping you plan for retirement
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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.

Shot on location at Lowther Gardens, Lytham
The financial conduct authority does not regulate tax, estate and some forms of business financial planning.

Two10 have looked after my investments for the last two years, providing a professional and friendly personal service. Experienced and knowledgeable staff have provided expert advice and support, taking time to understand my personal circumstances and offering options to reach my financial goals.

As well as being able to check online, staff are always available to discuss and answer queries and regularly review my investment, which is very reassuring. I'm very happy with the performance and service and would highly recommend.

Jane Blackwell

I've been using Two10 for the past year and have nothing to say but good words. The team are friendly and I've always got a point of contact whenever I have any questions!

Ashley Allen

I can’t fault it - absolutely excellent service and support. It’s always a bit daunting speaking to financial advisers about personal finances but this was such an easy, comfortable and positive experience for me. I would absolutely recommend Two10 Investment Services to others - for their service, expertise and the friendliness of the team.

Kerry Ainsworth

One of my financial goals was to have some security for the future, over the last 12 months we’ve really started to get to that point. The services and support we’ve received from Two10 has been holistic – covering my personal life and business interests, from short-term goals like securing our home to long-term retirement planning. I really appreciate the relationship-based approach and have already recommended Two10 to friends and family.

Cat Coulier

I’ve had a positive experience with Two10 Investment Services. The team has helped me to get my money working more efficiently and provided clear, straightforward advice on how to plan for the future.Their service is consistently high quality, and I’ve always found the advisers to be both friendly and knowledgeable. It’s been reassuring to know I have a team I can trust to guide me through important financial decisions.

Anthony Ollerton

Services tailored to you

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Questions that we’ll help you answer

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How can I support my family without compromising my own future?

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.

What happens to my pension and investments when I stop working?

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.

Should I sell my business before I retire – or wait?

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)

What’s the best way to reduce tax in retirement?

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.

How do I turn my savings and assets into reliable income?

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.

Will I have enough to maintain my current lifestyle?

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.

When can I afford to retire?

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.

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Our dedicated Financial Planning team

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Wayne Hayhurst
Founder & Chartered Wealth Manager

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Paul Gavaghan
Director & Chief Investment Officer

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Sarah Carlin
Director & Chief Operating Officer

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Connor Almond
Head of Financial Planning

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Fraser Pemberton
Wealth Manager & Financial Planner

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Matthew Robinson
Wealth Manager & Financial Planner

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Andrew Barr
Wealth Manager & Financial Planner

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Will Heane
Wealth Manager & Financial Planner

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Samantha Sayle
Client Services Manager

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James Catlow
Senior Investment Analyst

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Daniel Nicholson
Paraplanner

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Joshua Rogers
Paraplanner

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A brighter future starts with a conversation.