I want to retire early – make early retirement more than just a dream
Retiring early isn’t just about saving more — it’s about being strategic with your time, money, and choices. Whether you're dreaming of leaving work at 55 or even earlier, we’ll help you calculate how much you need, assess whether your current plans are on track, and explore the tax-efficient ways to bridge the gap between working life and retirement
The value of investments can fall as well as rise and you may not get back the amount originally invested.
Thinking about early retirement?
Can I really afford to stop working early?
It’s one of the most common questions — and it depends on more than just your pension. We’ll help you calculate your number.
What about my mortgage and bills after I retire?
Planning for ongoing expenses is key. We'll show you how to structure income that lasts.
Will I run out of money if I retire too soon?
With the right strategy, you can balance lifestyle with sustainability and avoid shortfalls.
Retiring early isn’t reserved for the super-wealthy — it’s a realistic goal for many people with the right plan. The key is understanding your target number: how much income you’ll need, how long it must last, and what gaps need filling now.
We’ll help you evaluate your pensions, ISAs, and investments, calculate the impact of retiring early on your state pension, and identify how to bridge the gap before state benefits kick in. We’ll also explore tax-efficient ways to withdraw funds, strategies for reducing expenses, and even phased retirement options if that suits you better.
With careful planning, early retirement can be more than just a dream — it can become your new reality.
Retiring early doesn’t mean you have to compromise your lifestyle — just plan it properly. With the right advice, you can feel confident stepping away from work and into freedom on your terms.
How much money do I need to retire early?
It depends on your desired lifestyle and when you retire. We help calculate your required income and assess if your savings are on track.
Can I access my pension before 55?
Usually not unless under exceptional circumstances. We’ll help you find alternatives if you’re looking at options before 55.
Will I pay more tax if I access my pension early?
Possibly — but there are strategies to minimise the impact. We’ll help you withdraw funds in a tax-smart way.
What are the risks of retiring early?
Running out of money, healthcare costs, or inflation risk. A robust plan can reduce these concerns significantly.
Step 1.
Book your retirement readiness review
Step 2.
Map your ideal retirement lifestyle
Step 3.
Calculate your income and investment needs
Step 4.
Put a tax-efficient early retirement plan in place
The value of investments can fall as well as rise and you may not get back the amount originally invested.