Retirement Planning Hub

The State Pension is often overlooked, yet it provides a secure, inflation-linked income for life - forming the foundation of most retirement plans.

What if you could stop saving and still retire comfortably? Coast FIRE focuses on building enough early, then working on your own terms.

Younger clients are turning away from pensions, but the maths is unchanged: tax relief and decades of compounding still make them unmatched for long-term wealth.

Struggling to picture your future spending in retirement? The PLSA’s £5,000-a-month guideline gives a solid starting point for long-term financial planning.

With rates rising and new tax rules ahead, annuities are regaining appeal as a way to secure guaranteed income in retirement.

This is the second in a three-part series on common financial planning mistakes. In this installment, we cover ten common investing pitfalls—from chasing dividends to home bias and poor diversification. Small missteps can have big long-term impacts.

This is the first in a three-part series on common financial planning mistakes. In this installment, we look at retirement—an area where financial decisions are often shaped as much by emotion and uncertainty as by hard numbers.

When it comes to drawing income from your pension, two core options dominate the landscape: flexi-access drawdown and annuity purchase. Each offers distinct benefits and trade-offs. Increasingly, the best solution lies not in choosing one over the other — but in combining both to create a plan that balances security, flexibility, and control.

FIRE 2.0 is about financial independence that lets you work differently — with more purpose, flexibility, and balance. Discover how cashflow modelling can help you make the switch, without risking your future.

In April 2023, Jeremy Hunt announced that the Lifetime Allowance would be abolished. This represents a significant shift in the UK's pension landscape, particularly for individuals with substantial pension savings.

According to a recent FT article, “annuity sales soared to their highest level in a decade in 2024, as high rates and economic uncertainty drove people towards the products and their guaranteed income streams”.

Sequence risk refers to the order in which investment returns occur. It is one of the most underappreciated risks and is particularly relevant for new retirees who have shifted from a saving / wealth creation phase to spending their investments.