Retirement Planning Guide

Preparing you for the future

In this guide:

  • Preparing for retirement. - What do you need to consider?
  • What are your pension retirement income options? New pension regulations mean greater flexibility and freedom in how you could consolidate, contribute, invest, and drawdown from pension plans.
  • Understanding your pensions - The benefits you accumulate in your pension plans during your working life will fall into one of two types.

Retirement Planning Guide


This guide has been prepared for information purposes only and should not be relied upon when making financial decisions. It is strongly recommended that you seek expert planning advice before taking any action.

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:

Living in the 21st century has amplified the importance of financial planning for three main reasons;

  1. We are all living longer: to maintain a pre-tax income of £100,000 in retirement requires a pension pot well in excess of the current Lifetime Allowance.
  2. The tax environment is complex and continuously evolving: the political agenda of promoting entrepreneurship and saving increases the uncertainty in tax rules. Higher taxes erode income and capital without vigilant planning.
  3. We are in a low growth environment with no easy solutions: low cash returns and interconnected stock markets make it more difficult for you to grow your wealth.

This document has been designed to help support you in preparation for your retirement and provide an insight into investment. We begin by exploring some of the retirement and investment considerations you may already have in mind.

Download the full guide to read more.

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Meet our expert team

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Susan Tait - Chartered Financial Planner at The Private Office

Susan Tait

Partner - Chartered Financial Planner, APFS

Rated 4.8 out of 5

Top Rated Adviser 2022

Susan has a broad range of experiences dealing with high net worth clients who pose complex financial circumstances.

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Julian Frere

Partner - Chartered Financial Planner, APFS

Rated 4.8 out of 5

Top Rated Adviser 2022

Julian advises on pension reviews, retirement planning, investment management, tax efficient structuring, life insurance and succession planning.

Kirsty Stone

Kirsty Stone

Senior Financial Adviser - Chartered Financial Planner, APFS

Rated 4.6 out of 5

Top Rated Adviser 2022

Kirsty is a Chartered Financial Planner and expert in cash flow forecasting and advises in all aspects of financial and strategic planning