Planning for getting older isn’t just for those approaching their 60s. The earlier you start, the more flexibility you give yourself in the years ahead.
It’s about giving your future self options, whether that’s finishing work earlier than planned, travelling more, or simply enjoying a comfortable lifestyle without worrying about money.
Building up your pension, making use of tax-efficient savings, and understanding how much you might need later on are all part of putting yourself in the best position when the time comes.
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It’s not always easy to picture your future lifestyle or put a number on how much income you’ll want.
But taking a closer look at your current spending habits, alongside any changes that might happen later, is a good place to begin.
Your mortgage may be paid off by then, and commuting costs might drop, but other expenses could rise, especially healthcare or helping family.
Having a rough figure in mind helps you understand whether your current savings plan is on track or if there’s a gap to bridge.
Schedule a Free CallbackThere’s no one-size-fits-all way to prepare for retirement, and that’s where things can feel overwhelming.
From workplace pensions and private plans to ISAs and property, there are several ways to build your future income.
What’s right for you depends on your age, circumstances, and the lifestyle you’re aiming for.
Speaking with an independent financial advisor who understands the full picture can make a real difference when it comes to making smart choices about your savings, so everything works together in the long run.
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By using tailored projections and cashflow modelling, we can help you see what retirement might look like for you.
This includes estimating when you could afford to stop working and the kind of lifestyle you could enjoy, based on different savings levels and expected investment growth.
When it comes to retirement, some choices with your pension are permanent. Buying an annuity, for example, can’t be changed once it’s done.
That’s why it’s so important to speak with someone who can explain the options clearly, so you feel confident in the steps you’re taking and choose what works best for you.
Retirement planning doesn’t stop the day you finish work.
Through ongoing reviews, we’ll continue to check your pension arrangements, making sure that any income you’re drawing remains suitable and that your funds stay on track for the years ahead.
Taking money from your pension involves more than just filling out forms. We’re here to help with the admin side of things, making sure everything runs smoothly.
We’ll also look at how you’re accessing your money to make sure it’s done in a way that’s 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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