Retirement Planning
Your retirement shouldn’t be about financial guesswork. A structured, well-managed plan gives you the confidence to spend with peace of mind, knowing your financial strategy is built to support your long-term goals.
Your pot should outlive you, not the other way around. Retirement isn’t just about stopping work, it’s about having the freedom to live life on your terms.
Most financial advice is focused on building wealth for retirement - but what happens when you get there? Suddenly, the focus shifts from saving to spending, and for many, that’s when uncertainty kicks in.
How much can I afford to spend?
Will I run out of money one day?
Am I drawing income in the most tax-efficient way?
Should I take from pensions, ISAs, or investments first?
You’ve spent years working hard to build your wealth. Now, it’s time to structure it properly so you can enjoy retirement without the fear of running out. We’ll help you design a plan that makes sure your money works for you, not the other way around.
Rethinking Retirement: From Saving to Spending
Many retirees worry about spending too much too soon, but just as many spend too little , never fully enjoying the wealth they worked so hard for. The key is balance- ensuring you have enough to enjoy life fully, while also keeping your future secure.
With a proper spending strategy, you can:
Have a sustainable, structured plan for drawing income.
Avoid unnecessary tax, so you keep more of your money.
Spend with confidence, knowing how much you have available and how long your money might last.
We work with you to create a personalised withdrawal strategy, ensuring you take money in the most tax-efficient, sustainable way possible, so you can enjoy today without worrying about tomorrow.
The Balance: Enjoying Life Today Without Jeopardising Tomorrow
Not all retirement income is created equal. You likely have multiple sources of wealth - pensions, investments, ISAs, rental income, cash savings, but knowing where to draw from first is crucial.
We help structure your withdrawals to:
Minimise tax: Making sure you withdraw money in an efficient way.
Preserve your investments: Ensuring you don’t erode capital too quickly.
Adapt over time: A good spending strategy is flexible, adjusting as life evolves.
Where Should Your Income Come From?
Retirement isn’t one stage, it’s a journey with different spending patterns:
🟢 Active Years (Retirement to 75): More travel, experiences, and enjoying newfound freedom.
🟡 Slowdown Phase (75-85): Spending reduces slightly as lifestyle changes.
🔴 Later Life (85+): Less discretionary spending, but healthcare costs may rise.
By understanding these phases, we help structure your income to ensure you’re spending the right money at the right time, so you can enjoy your life, no matter the phase.
The Retirement Spending Phases
The Right Plan = Confidence to Spend
Too many retirees sit on their wealth, afraid to touch it, while others burn through it too quickly. The right strategy gives you the freedom to enjoy your money without fear of running out.
With a structured, sustainable plan, you can confidently:
Travel and experience life without hesitation.
Support family or gift wealth without jeopardising your own security.
Make spending decisions without second-guessing.
Life changes, and so should your retirement plan. Markets shift, tax rules evolve, and unexpected expenses arise. That’s why a good withdrawal strategy isn’t set in stone - it’s actively managed and adapted to meet your needs as they evolve.
We work with you over the years, reviewing and adjusting your plan so you always have clarity and control. You’ll never have to wonder if you’re on track, we’ll keep you there.
A Strategy That Evolves With You
The Financial Conduct Authority (FCA) does not regulate some aspects of cash flow, or tax planning
The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested.
If you’ve ever felt unsure about your retirement - whether you're making the right choices, whether you're on track, or whether you're missing opportunities, then now is the time to take control.
With a properly structured retirement plan, you’ll no longer have to wonder, “Am I going to be okay?” - you’ll know.
Let’s create a plan that brings clarity, confidence, and purpose to your retirement journey.