Planning for retirement isn’t just about saving money — it’s about designing the lifestyle you want and ensuring your finances can support it. Whether you’re five years away or still in your early career, a clear retirement plan gives you more control, better options, and fewer surprises.

Many people don’t know:

• When they can realistically afford to retire

• How much income they’ll need (or already have)

• What steps to take to close the gap

That’s where we come in.

Our retirement planning service helps you make informed, confident decisions by giving you a clear roadmap toward your goals.

Here’s how it works:

1. Defining Your Retirement Goals

We begin by understanding what retirement looks like to you. Do you want to stop working completely, reduce hours, travel, support family, or just live comfortably without money worries? We tailor everything around your lifestyle expectations — not someone else’s idea of “normal.”

2. Assessing Your Current Position

We review your existing pensions, ISAs, savings, property, or other assets. We also account for future income sources like the State Pension or rental income. This helps us understand how much you’ve already built up — and how far it will go.

3. Projecting Future Income

Using specialist software, we forecast your potential income in retirement. We’ll factor in inflation, investment growth, and different retirement ages to show when you can afford to retire — and how sustainable your income will be over time.

4. Exploring Contributions and Tax Efficiency

If there's a shortfall, we’ll explore how to close the gap. That might include increasing pension contributions, using ISA allowances more effectively, or restructuring how your income is drawn in retirement to reduce tax.

5. Creating Your Retirement Roadmap

We’ll present you with a clear, step-by-step plan — showing what to do now, what to keep an eye on, and how to stay on track. You’ll know what you need to save, what you can expect, and when you can enjoy the retirement you’ve worked for.

Good retirement planning isn’t just about numbers — it’s about confidence. When you know the plan, you worry less and live more.