Planning for Retirement
When do you want to retire?
Can you actually afford to? And if you can’t yet, what would it take to get there?
Most people don’t have clear answers to those questions. Nobody ever sits them down and explains what their financial future looks like. That’s what we do.
The closer retirement gets, the more real it feels.
Most clients come to us in their late 40s or early 50s. They’ve got pension pots from previous employers, maybe some savings, perhaps a property. But no clear picture of what it all adds up to, what it’s costing them, or whether it’ll be enough.
Without a plan, you’re guessing. You might be in investments that are too cautious for where you are in life, missing out on tax allowances every year, or heading for a retirement income well below what you’d hoped for, and not finding out until it’s too late.
The earlier you start, the more options you have. But it’s never too late to get a proper plan in place.
- 0+
- 0+
years in business
Free
Initial consultation
How we help you plan for retirement
We start by getting a clear picture of where you are and where you want to be. From there everything is built around your situation, your timeline, and the retirement you actually want.
- Our approach
- Cash flow planning
- How we can help
- Your outcome
Cash flow planning is what we start with. We map out your current financial position, where you want to be, and model what your future looks like year by year, so you can see exactly what you’re working with.
That means looking at your existing pensions, workplace schemes, savings, and investments. Understanding what they’re worth, what they’re costing, and how they’re performing. Then modelling different scenarios. What if you retired at 55 instead of 60? What if you paid an extra £300 a month into your pension? What would that mean in real terms?
We go through all of this with you on screen, page by page. We want you to leave every meeting with a clear head, not a report that goes in a drawer.
A cash flow plan is a long-term model of your financial life. It maps out where you are today, projects your income, spending, and assets into the future, and shows you clearly what your financial picture looks like year by year.
For retirement planning, that means seeing exactly what you’re on track for. Whether your current pension contributions will be enough. At what point your money runs out if you draw it down a certain way. What happens if you retire at 58 instead of 65. What a lump sum contribution today does to your position in ten years.
We put all of this on screen and go through it with you, page by page. These aren’t abstract numbers. They’re your numbers, your timeline, your retirement. Seeing it laid out clearly changes how people think about their financial future.
We update the plan at every meeting. When your circumstances change, when legislation changes, when markets move — the plan reflects it. You always know where you stand.
Most firms are only just catching up with cash flow planning. We’ve been doing it for years and think every client should have one, whatever their starting point. It’s the foundation of everything we do.
- Building a long-term cash flow plan around your goals and timeline
- Reviewing and consolidating existing pensions, including old workplace schemes
- Understanding your retirement income options: drawdown, annuity, or a combination
- Making the most of your tax allowances such as your pension, ISA and capital gains tax allowances
- Making sure your investments match your recommended risk profile and longer term investment strategy
- Planning for the income you actually want in retirement, not just a rough figure
- A cash flow planning report showing your current position, future projections, and the impact of different scenarios
- A recommendation report explaining what we’re recommending, why, and any implications to be aware of
- Regular reviews including an annual suitability review to check you’re on track and adjusting where required with your dedicated financial advisor
A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available.
How we work with you
Discovery
We meet to understand your situation, your current financial position, your goals, and your attitude to risk. We explain our services and how we charge. This stage is always at our expense.
Strategy
Once we have everything we need, we build your bespoke financial strategy. This includes a lifetime cash flow model of your estate to build give you a clear picture of your financial future, year by year.
Recommendations
We arrange a meeting to present our recommendations in detail. We treat every client as we would our own family, explaining everything in plain English.
Track
Once recommendations are in place, we set you up on your Personal Financial Portal (MyPFP) so you can see your financial picture at any time or provide you with your Personal Financial Folder (PFF).
Review
We meet regularly to review your plan, check you’re on track, and make adjustments as your life or circumstances change.
You'll work with one advisor.
Each of our advisors works with a set number of clients. The person you meet on day one is the same person you’ll be working with in five, ten, twenty years. They’ll know your goals, your family, your circumstances. They’ll be there for the big decisions and the routine ones.
That kind of relationship is rare. We think it matters.
Contact us
Get in touch
Whether you have a specific goal in mind or just want to understand your options, we're happy to have a conversation. Get in touch and we'll arrange a free, no-obligation Discovery meeting at a time that suits you.
Reach out to us:
Address
Unit 5A Marsh Mill Village,
Fleetwood Rd North,
Thornton-Cleveleys,
FY5 4JZPhone
01253 532390Address
Murley Moss Business Park,
Oxenholme Rd,
Kendal
LA9 7RLPhone
01539 234177