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People retiring soon

Pension Freedoms have changed the landscape of retirement planning and you now have far more flexibility that ever before. This can be a double-edged sword; perhaps allowing you to retire sooner than you previously thought possible, but with pitfalls and dangers to avoid.

For most people close to retirement, there are three important questions:

  • Can I afford to retire now, and if not, when?
  • Will my existing pensions, investments and savings generate enough income until I die, or if I am married, when my spouse passes away?
  • Will I be able to leave anything behind to my family?

Simple enough questions and all very sensible.

Our job is to answer these, and more. For example:

Income: How much will you need in retirement? You would be amazed by the number of people who don’t know the answer to this question.

Retirement options: What’s the best way to turn your pension into an income?

Expenses: Is there any future capital expenditure you need to plan for? For example, home improvements, large holidays and such like.

Family: Do you want to financially assist your children or grandchildren? Perhaps to help with the cost of university or buying their first house.

State Pension: How much will you get and when will it be paid?

Existing savings & investments: Do you need to make any changes considering your retirement?

Early retirement: Can you stop working without compromising on your lifestyle in retirement?

How we can help

Simple, let us understand your retirement objectives. We’ll then tell you how they can be achieved.

We are expert retirement planners; that means your retirement is on a sound financial footing. You can stop working, safe in the knowledge that your finances are in safe hands.

Get in touch

Our Independent Financial Advisers are here and ready to help you meet your financial problems and challenges head on.

Call us on 02380 633636 or drop an email to and we’ll be in touch.