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Approaching Retirement Guide
Your guide to designing your stress-free retirement
In this guide:
- Why designing your stress-free retirement for you and your family isn’t easy - We are all living longer and the days of a guaranteed income for life from your employer’s pension scheme is no longer the reality for most of us when we retire.
- Do you know where all your pension plans are? - Unlike 30+ years ago, it is now not uncommon to change employer many times during your working life and you will most likely have contributed to at least one pension plan during that time, if not more.
- Budgeting; fail to plan, you are planning to fail - It’s essential to do a budget plan before you think about retiring so you know what expenditure you expect to have and therefore what income you’ll need to cover it.
Please note that the Financial Conduct Authority (FCA) does not regulate cash flow planning, estate planning, tax or trust advice.
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From this guide:
The biggest fears of retirement
As we make plans for our retirement years, many of us give little consideration to how we’ll feel about retiring, other than believing that nothing will be better than no longer having to set an alarm for Monday morning.
The fact that this huge change into the next phase of your life could be daunting may not occur to you until you are on the brink of retiring yourself.
The decision to retire is one of the biggest decisions you will make, both personally and financially, knowing that once you give up working for a living, your primary source of income will stop.
It’s understandable therefore that many of us are hit with common fears, including:
- Do I have enough money to see me through my retirement years? Or will it run out?
- What about my family - can I still support them if needed?
- How can I retire without affecting my current lifestyle?
- And what will I do with my time in retirement?
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Meet our expert team
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Daniel Lea
Senior Financial Adviser - Chartered Financial Planner, APFS
Daniel helps clients with their financial needs and advises on various aspects of financial, investment, and retirement planning. He adopts a friendly, straightforward approach towards his work, aiming to empower his clients with informed decision-making.
Abby Ivison
Financial Adviser - Chartered Financial Planner, APFS
As a Chartered Financial Planner, Abby offers insight to guide clients with their financial needs. She is passionate about providing friendly, sound, and honest advice in a way that’s easy to understand so that her clients can feel empowered to achieve their financial goals.
Alex Shields
Partner - Chartered Financial Planner, FPFS
Alex looks to build up a detailed understanding of his clients’ situations which enables him to provide advice tailored to their circumstances. He believes that it’s crucial to communicate in a clear and straightforward manner to put his clients’ minds at ease.