Retirement isn’t a number. It’s a plan for the life you want to live.
The real questions are when work becomes optional, how much you’ll need to support your lifestyle, and whether your wealth can sustain it.
What does financial freedom look like for you?
Financial freedom and retirement means different things to different people. Whether it’s travelling more, spending time with family, pursuing hobbies, helping grandchildren or simply having greater flexibility, we start by understanding the life you want to live.
FULL RETIREMENT
A complete step away from work
More time to travel, pursue long-held ambitions, spend time with family and friends, or simply enjoy the freedom to choose how each day is spent.
PHASED RETIREMENT
A gradual transition
Creating more time for family, hobbies, travel and wellbeing, while retaining the structure, purpose and income that work can provide.
A NEW PURPOSE
A new chapter
For those who don’t want to stop working, but would like the freedom to pursue a passion, business venture or new challenge.
Explore the trade-offs behind life’s biggest decisions.
A simplified illustration of how we use cashflow planning to help clients understand the impact of different financial decisions.
Select each retirement age to see an example.
Illustrative figures based on a fictional case study. These examples are provided for demonstration purposes only and do not constitute financial or investment advice, nor a forecast or guarantee of future outcomes. Actual results will depend on individual circumstances, objectives and assumptions.
The questions that shape a successful retirement
When work becomes optional
The earliest age the plan supports, and the compromises needed to get there.
The lifestyle you want to support
Built around how you actually intend to live, not a percentage of your salary.
Your pensions working together
Old plans reviewed, guarantees assessed and consolidation considered where appropriate.
Investing to support the plan
An approach built around your objectives, timescales and capacity for loss.
Tax efficiency
Understanding which assets to draw on, when and why.
Turning savings into income
How much you may be able to spend while maintaining the sustainability of the plan.
Planning for the unexpected
Market falls, ill health and changing priorities can all be tested before they happen.
Leaving the legacy you want
How much you may leave behind, to whom, and the most efficient way to do it.