Retirement planning
Planning to stop work within ten years?
Most people have a date in mind. Very few have tested it. We build a cashflow model for every client on our Core Plus plan and above, and it answers one question well: when does work become optional?
See if Blincoe is right for youA few short questions. No cost, no obligation.
Your cashflow model
Illustrative
Work optional from
Age 56
A recent client
Ethan and Claire thought 60. The model said 56.
Both 45, both earning, two pensions, two ISAs and a mortgage they were overpaying. They had settled on working to 60 because it felt about right. We modelled their position to age 100 on conservative assumptions, with a spending target of £5,000 a month.
When work becomes optional
7½ more years
Seven and a half more years of active retirement than they had assumed. Based on a real client. Names changed and figures rounded. One client's circumstances, not indicative of results others may achieve.
Your cashflow model
What we work out for you
What the pot needs to be worth
For work to become optional, worked backwards from your spending rather than a percentage rule.
What happens if markets fall early
We run your plan against real market data going back to 1915 and set spending guardrails, so you know in advance what you would do.
What the tax position looks like at 75
Not only at 60. Which pot you draw on first changes what you keep.
Fixed monthly fees
£200–£500 a month
Four tiers
Whatever the portfolio size.
One planner
You can reach them directly.
Find out when work becomes optional for you.
Answer a few short questions.
See if Blincoe is a fit.
If it is, book a call at the end.
No cost, no obligation.
Prefer the detail first? Read how cashflow modelling works →The value of investments and any income from them can fall and you may get back less than you invested. A pension is a long-term investment not normally accessible until age 55, rising to 57 from April 2028.
The FCA does not regulate tax advice. Tax treatment depends on individual circumstances and may change. Figures on this page are illustrative and do not constitute advice.