Planning priorities for pre-retirees and retirees
Approaching or already in retirement, the focus changes from building a pot to using it well, protecting it and passing on what remains.
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The years around retirement involve some of the biggest financial decisions of your life: when to stop, which income to take first, how to handle tax and how to prepare for care costs.
We lay out the options in plain language, test them against realistic scenarios and help you decide with confidence. More detail is on our retirement planning page.
How we work with you
Define the lifestyle
Decide how you want to live and what it will cost.
Map your income
List pensions, savings and benefits and when each starts.
Test the plan
Check it against long life, inflation and poor markets.
Review yearly
Adjust spending and withdrawals as things change.
Questions worth asking
- Do I know my income for each year of retirement?
- Which accounts should I draw on first?
- Is my spending sustainable if I live to 95?
- How would I pay for care if I needed it?
- Are my will and beneficiaries current?
- Do I still need my existing insurance?
Common questions
When is the right time to retire?
When your plan shows you can meet your spending needs with a margin for the unexpected. We test different dates.
How do I make savings last?
By setting a sustainable withdrawal approach, keeping some growth and staying flexible.
Should I keep life insurance?
It depends on your debts, estate and who relies on you. We review each policy against your goals.
Important to know
The information on this page is general and educational. It is not financial, insurance, investment, tax or legal advice, and it does not take your personal circumstances into account. Product availability and eligibility depend on licensing, location and provider rules. Speak with a qualified professional before you act.
Let’s start with a conversation
A short, no-pressure call to talk through your situation and decide whether we can help.