Retirement & Later Life Planning

Planning for a secure, comfortable retirement — and the years that follow.
Our advisers guide you through every stage of retirement and later life planning. We help you understand how much you need, when you can retire, and how to structure your assets efficiently to support your lifestyle, future care needs, and long-term financial security.

 

retirement planning

We help clients

  • Define their retirement and later-life objectives.
  • Assess existing pensions, savings, and other assets.
  • Structure a tax-efficient income in retirement.
  • Navigate risks and investment decisions using broad-based, low-cost investment solutions.
  • Prepare for later-life financial considerations, including long-term care, estate planning, and property wealth.

Guide clients through the choices and flexibilities available at retirement, including:

  • Investment advice:
    Ensuring your post-retirement investment strategy supports both income needs and long-term objectives.
  • Retirement options:
    Understanding annuities, income drawdown, and blended approaches.
  • Care annuities: Exploring guaranteed-income options to help meet long-term care costs and provide financial certainty in later life.
  • Tax considerations:
    Maximising allowances, structuring withdrawals correctly, and ensuring assets can support or be passed to beneficiaries where appropriate.
  • Equity release:
    Assessing whether releasing property wealth could support retirement goals or care needs while protecting family inheritance.

Benefit to you

Peace of mind knowing their retirement and later-life strategy is comprehensive, personalised, and supported by clear, evidence-led recommendations.

Q: I’m not sure I’ve saved enough for retirement—can you help?

Yes. We’ll clarify your retirement goals, review your pensions and savings, and build a tax-efficient income plan using tools like drawdown, annuities, or equity release. We can also help you plan for later-life needs — including care costs, care annuities, and how best to use your assets to support long-term security.

Meet our Retirement Advisers

Gary Nash

Chartered Financial Planner
BA(Hons) APFS

Jack Jennings

Independent Financial Adviser
BA(Hons) DipPFS

Nicholas Sanders

Independent Financial Adviser
BSc (Hons) DipPFS, Certs CII (MP & ER)

How Else Can We Help You?

Taxation Planning

Efficient, compliant tax strategies to protect your wealth.

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Business Planning

Smart financial guidance for business owners and executives.

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Investment Advice

Evidence-based portfolios designed for long-term growth.

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Protection Advice

Protect what matters—family, business, and legacy.

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Your Plan

Clarity around your financial challenges

Your Plan reflects the most common financial questions clients bring to us — from retirement readiness to managing complexity and planning for later life. By understanding your situation, we help connect your goals to the right advice with confidence.

Discover Your Plan

Ready to Take the Next Step?

Let us explain the process once you have made contact.

DISCOVER THE PROCESS

If you are ready, please book a consultation and we will pair you with an adviser who listens, explains, and acts in your best interests.

BOOK A CONSULTATION