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:

Can you afford to retire?
💡 Related reading: When can you afford to retire?
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
Are you emotionally ready to retire?
💡 Related reading: Retirement: preparing for the third act, Retirement Spending: When FOMO Meets FORO
How are you protected from sequence risk?
💡 Related reading: Why the First Years of Retirement Are the Riskiest (and How to Protect Yourself)
Do you have a sustainable long term withdrawal strategy?
💡 Related reading: A Smarter Retirement Strategy: How Risk-Based Guardrails Maximise Flexibility

Featured Articles

Featured

Drawdown vs Annuity: Which is Better?

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: How Financial Independence Can Help You Redesign Work — Not Just Retire

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.

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

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)

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.