Retirement financial planning UK
Retirement isn't a finish line. It's the start of a twenty-year financial plan that most people make up as they go.
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The questions don't stop when you retire. They change.
How do I turn what I've saved into an income that lasts?
Should I draw down or buy an annuity?
How much can I take without running out?
What happens if markets fall?
Not the questions about saving. The questions about spending wisely and making it last.
The people who get this right have a plan, reviewed regularly, built around the life they're living.
Your retirement income options.
There is no single right answer. There is a right answer for you.
Most people in retirement need a combination of income sources. The question is how to structure them, and in what order to draw them down, to make the money last and keep the tax bill manageable.
Income drawdown.
Your pension stays invested. You draw from it as needed. Flexible, but it requires careful management to make it last.
The bigger picture.
Pensions are one piece. ISAs, property, state pension. A good plan sequences all of it tax-efficiently.
Annuities
An annuity provides a regular guaranteed income for life.
The cost of getting this wrong.
Retirement income decisions are among the most consequential you'll make. They're also largely irreversible.
An annuity bought at the wrong rate costs tens of thousands over a twenty-year retirement. Drawdown without a strategy runs out while you still need it. A pension left in cash loses real value every year.
The average single pensioner receives £282 a week, according to the Department for Work and Pensions
A comfortable retirement requires £870 a week, according to Loughborough University's 2025 Retirement Living Standards report.
The gap between those two numbers is what the plan is built for.
Whole of market. No tied products.
Advice that starts with your life, not a product range.
We are recognised Pension Transfer Specialists. That matters when defined benefit income, drawdown and inheritance tax planning need to work together.
Income plans built around your life. Money that lasts, tax that's managed, a plan that adjusts.
Thirty years across Sussex, Surrey and Kent.
You know what living well looks like.
We'll show you the numbers to get there.
The income that doesn't run out.
Not a rough projection. A structured plan that sequences your income sources, manages the tax, and makes sure the money lasts as long as you need it to.
The retirement that keeps getting better.
Most people spend the first years of retirement worrying whether they're spending too much. A good plan tells you what you can spend. Then you can get on with enjoying it.
The legacy you intended.
Your money going where you want it to go. Your family not navigating a mess. The inheritance tax position understood and managed before April 2027 changes the picture.
FAQs
The retirement questions we answer every day
From First Call to Clear Plan
Three steps. That's all there is.
Talk to us
One call. No obligation. Tell us where you are and what retirement looks like right now. We'll tell you honestly whether we can help.
See the plan
A clear income plan built around your retirement. Every recommendation explained. Every trade-off named. You'll know exactly what you're agreeing to and why.
Get on with living
We stay across it. Markets move. Tax rules shift. Life changes. We check in regularly to make sure the plan still fits the life.
The right retirement advice starts with the right conversation.
Tell us a little about where you are. One of our advisors will be in touch within one working day.
30 minutes, by phone or online.
No pitch. No pressure. No paperwork.
A real person, within one working day.
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Book a call
Submit the form and pick a time that works for you.
Independent financial planners across the South East
Worthing
Phone: 01903 259200
Godalming
Phone: 01483 427366
Haywards Heath
Phone: 01444 405160
Uckfield
Phone: 01825 766130