As retirement draws near, it’s natural to start thinking more seriously about what your future might look like.
Whether you’ve been saving for years or feel like you’re playing catch-up, it’s a good time to check whether your pension and other savings are set to provide the lifestyle you’re hoping for.
Looking at your current plans and seeing how everything is shaping up gives you the chance to make adjustments while there’s still time to boost your income or reduce any shortfall.
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There’s more to retiring than simply picking a date.
From deciding how and when to take your pension, to thinking about any tax charges that might apply, there are several important choices that can have a lasting impact.
Some decisions, like buying an annuity, can’t be changed once made.
That’s why speaking with someone who understands the rules and can explain your options clearly is such a key part of getting everything in place.
Schedule a Free CallbackEven once you’ve started drawing from your pension, the work doesn’t stop there.
Keeping an eye on your funds and checking in regularly helps you stay in control of your income.
You might want to adjust how much you’re taking or explore new ways of managing your money more tax-efficiently.
Ongoing independent financial advice makes it easier to adapt as your needs change, so you can continue enjoying life after work with confidence.
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Using cash flow forecasting, we can give you a clear view of how your retirement could take shape.
This includes estimating when you might be able to retire and what kind of lifestyle you could afford, based on how much you’re saving and how your investments might perform over time.
As retirement approaches, some choices with your pension carry long-term consequences.
For example, if you decide to buy an annuity, that decision can’t be changed later.
That’s why it’s so important to have a clear understanding of your options, so you can move forward with confidence and avoid decisions that may limit your flexibility down the line.
Once you’ve retired, your pension still needs attention.
Through ongoing reviews, we’ll look at whether the income you’re taking is still appropriate and if any changes are needed to help your funds last longer or work harder for you.
Taking money from your pension often involves paperwork, tax rules, and careful timing.
We’re here to support you with the process and help make sure that any withdrawals are handled in a way that keeps things simple and as tax-efficient as possible.
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The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
UK Financial Planning Limited is an appointed representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority under FRN 197107.
UK Financial Planning Limited is registered in England and Wales, company number: 15000141, registered office address: 28 Williamsfield Road, Cranswick, Driffield YO25 9BH.
UK Financial Planning Ltd – All Rights Reserved © Copyright 2025 | Privacy Policy | Cookie Policy
The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
UK Financial Planning Limited is an appointed representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority under FRN 197107.
UK Financial Planning Limited is registered in England and Wales, company number: 15000141, registered office address: 28 Williamsfield Road, Cranswick, Driffield YO25 9BH.
UK Financial Planning Ltd – All Rights Reserved © Copyright 2025 | Privacy Policy | Cookie Policy
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