Skip to main content
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.
Provide your details below to receive your free guide.
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?
Related content
A thorough guide to help support you in preparation for your retirement and provide an insight into investment.
It's important to understand the implications of a Defined Benefit pension transfer.
The pension landscape has changed significantly in the last 20 years or so, as the way in which people work has changed.
Our clients speak for us
Meet our expert team
Template - People block - list (6.06)
Dan Alder
Senior Financial Adviser - Chartered Financial Planner, APFS
Dan is a Chartered Financial Planner, working from our Bath office and supporting clients across the South. He empowers clients to make informed and confident decisions about the present, their longer-term futures and helping the next generation.
Grace Whalley
Financial Adviser - Chartered Financial Planner, FPFS
Grace is a Financial Adviser and Fellow of the Personal Finance Society. She takes the heavy lifting off clients shoulders to help them to navigate various financial life stages and allow them to focus on meeting their different objectives in life.
David Dodgson
Partner - Chartered Financial Planner, FPFS
David is an experienced adviser and a Fellow of the Personal Finance Society (PFS), supporting his clients with their financial needs. His primary aim is to help his clients gain an appreciation of what lifestyle their current and future wealth is capable of delivering.