Have You Checked If You’re On Track to Retire When You Want To?
It’s a question most people don’t ask themselves until much later in life — but it’s one of the most important. The earlier you find out whether you're on track to retire when you want to, the more options you have and the easier it is to make changes that matter.
Retirement is one of life’s biggest financial transitions — yet most people have no clear idea whether they’re on track to retire when they’d like to. Many assume they’ll “work it out closer to the time,” but by then, your options may be limited. The earlier you assess your position, the more control and flexibility you have.
Being “on track” doesn’t just mean having a pension. It means understanding whether your current savings, investment strategy, and retirement timeline actually align with the lifestyle you want.
You might be thinking:
Will I have enough to stop working at 60?
What if I want to work part-time for a while — can I afford to?
Can I travel, support family, or pay off my mortgage without running out of money later?
If markets dip just before I retire, how will it affect me?
These are all valid questions — and they can’t be answered by guesswork.
That’s why we build personalised retirement projections based on your current position and future goals. We start by reviewing your existing pension pots, contributions, and expected income from things like the State Pension, rental properties, or other investments. Then, using regulated planning tools, we project your income year by year, showing exactly how long it’s likely to last — and how sustainable it is against inflation, market changes, and rising costs of living.
We also explore different “what if” scenarios:
What if you retire 5 years earlier?
What happens if you live 10 years longer than expected?
What if you draw more income in the first decade, then ease back later?
These scenarios help you understand the long-term impact of your choices and spot any potential shortfalls before they become a problem.
Importantly, being off-track doesn’t mean failure — it simply gives you the opportunity to adjust. That could mean increasing contributions, changing how your pension is invested, combining underperforming pots, or rethinking your target retirement date. We’ll guide you through every option, explain the pros and cons, and help you make changes confidently and in line with your values.
And if you are on track? That’s even better — we’ll help you protect your position, structure withdrawals wisely, and ensure you’re not paying unnecessary tax or taking avoidable risks.
Ultimately, knowing where you stand puts you in control. It transforms retirement from a vague ambition into a clear, achievable plan — on your terms, in your timeframe.
There’s no one-size-fits-all answer to investing. We’re here to provide clear, unbiased advice based on your personal circumstances — helping you feel confident whether investing is right for you today, or whether it’s something to revisit in the future.
The value of investments can fall as well as rise and you may not get back the amount originally invested.