Planning Ahead for Retirement (Ages 40s / 50s)

  • Am I saving enough for the retirement I want?

    Are You On Track for the Retirement You Want?
    Retirement might feel a long way off — but the earlier you plan, the more control you have. Whether you're 10, 15 or 20 years away, now is the time to make sure your pension savings are working as hard as you are.

  • What growth should I be aiming for?

    The right growth target depends on how long you have until retirement.

    and how much risk you’re comfortable taking. I can help review your current investments, check if your funds are aligned to your goals, and adjust your strategy if needed to keep you on track.

  • Should I review my pensions now?

    Even if retirement feels far away.

    regular pension reviews are important. Markets change, funds perform differently, and your personal circumstances may shift. A simple review now can highlight opportunities to improve your future retirement income.

  • Can I make my pensions more tax-efficient?

    Pensions are one of the most tax-efficient ways to save for the future.

    Reviewing how much you contribute, using available allowances, and making the most of government incentives can all help you build your retirement savings in a highly efficient way.

  • Importance of regular reviews

    Your pension isn’t something to set and forget.

    Regular reviews help ensure your funds remain suitable, your growth stays on target, and any changes in your personal circumstances are taken into account. Small adjustments today can make a big difference to your future income.

  • What happens if I change jobs or employers?

    Many people collect multiple pensions over their career.

    Reviewing old and new schemes helps keep your retirement planning organised and ensures your savings are working together efficiently. Consolidation may sometimes be an option, depending on your situation

How We help you plan ahead:

Review all your existing pensions (including old workplace schemes)

We’ll review all your existing pensions, including old workplace schemes, to ensure nothing gets missed.

Identify any gaps early

Spot any shortfalls early, so we can make adjustments while there’s time to correct course.

Check your investment risk level

Make sure you’re taking the right level of investment risk for your circumstances and retirement timeframe.

Make tax-efficient contributions where possible

Make full use of your tax allowances and contribution opportunities to grow your pension efficiently.

Ensure your funds match your long-term goals

Ensure your pension funds match your personal goals, timeline, and financial objectives.

Track your progress regularly

Review your pension regularly to keep everything aligned as markets — and your life — evolve.

Book Your Free Pension Health Check