Retirement Planning Hub

Welcome to your central resource for retirement planning.

We’ve pulled together some of our most popular articles specifically around the topic of retirement.

Whether you're a decade away or already retired, these resources will help you make informed, tax-efficient decisions.

Key Topics Covered:

  • When to retire and how to model it

  • Flexi-access drawdown strategies

  • Annuities (then and now)

  • Lifetime allowance changes

  • Emotional side of retirement spending

  • The risk of bad timing (sequence risk)

Retirement Readiness Checklist

Are you ready or able to retire? You need to be able to answer these questions:

  1. Can you afford to retire?

    💡 Related reading: When can you afford to retire?

  2. Is your income strategy tax efficient?

    💡 Related reading: How to Turn Pension Income into a Tax-Free Legacy with Life Insurance, Why Annuities Are Making a Comeback—and How to Use Them in Retirement

  3. Are you emotionally ready to retire?

    💡 Related reading: Retirement: preparing for the third act, Retirement Spending: When FOMO Meets FORO

  4. How are you protected from sequence risk?

    💡 Related reading: Why the First Years of Retirement Are the Riskiest (and How to Protect Yourself)

  5. Do you have a sustainable long term withdrawal strategy?

    💡 Related reading: A Smarter Retirement Strategy: How Risk-Based Guardrails Maximise Flexibility

Featured Articles

Featured
The New Pension Limits After the Lifetime Allowance: What You Need to Know
The New Pension Limits After the Lifetime Allowance: What You Need to Know

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.

Why Annuities Are Making a Comeback—and How to Use Them in Retirement
Why Annuities Are Making a Comeback—and How to Use Them in Retirement

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”.

Why the First Years of Retirement Are the Riskiest (and How to Protect Yourself)
Why the First Years of Retirement Are the Riskiest (and How to Protect Yourself)

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.

A Smarter Retirement Strategy: How Risk-Based Guardrails Maximise Flexibility
A Smarter Retirement Strategy: How Risk-Based Guardrails Maximise Flexibility

A more flexible approach to retirement spending, one that takes into account investment performance and adjusts spending threshold accordingly. 

Retirement Spending: How to Balance Fear of Running Out with Fear of Missing Out
Retirement Spending: How to Balance Fear of Running Out with Fear of Missing Out

Retirement Spending: Balancing the Fear of Running Out with the Fear of Missing Out

Public Sector Pensions Explained: How to Maximise Your NHS or Civil Service Retirement
Public Sector Pensions Explained: How to Maximise Your NHS or Civil Service Retirement

Exploring the benefits of Public Sector Pensions, and scope to increase entitlement through Additional Pension purchase.

Why New Pension Rules in 2027 Feel Like a Lifetime Allowance All Over Again
Why New Pension Rules in 2027 Feel Like a Lifetime Allowance All Over Again

The new pension rules, to be introduced from April 2027, resemble a lifetime allowance in disguise.

Annuity vs Drawdown: Making the Right Retirement Income Choice
Annuity vs Drawdown: Making the Right Retirement Income Choice

Annuities are back on the retirement menu

How Cashflow Modelling Helps You Answer: When Can I Afford to Retire?
How Cashflow Modelling Helps You Answer: When Can I Afford to Retire?

The power of cashflow modelling in retirement planning

Planning the Third Act: How to Build a Retirement You’ll Enjoy
Planning the Third Act: How to Build a Retirement You’ll Enjoy

Moving from a period of saving to spending can be emotionally challenging, but herein lies the true value of financial planning

The 60% inheritance tax trap
The 60% inheritance tax trap

Certain estates are subject to a marginal 60% inheritance tax once their value exceeds £2m

"...and how to achieve an immediate 20% tax saving”

How much does a 'good' retirement cost?
How much does a 'good' retirement cost?

When planning for retirement, the key question is 'how much do you plan to spend in retirement'? But this can be hard to answer.

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