Enjoying retirement

Retirements are there to be enjoyed. But if you’re worried about whether your finances can keep pace with your aspirations or your changing life needs, you won’t be enjoying it as much as you should.


There are many different phases to retirement, from the active “go go” years, to slower later life. Being emotionally and financially prepared for each stage will ensure you can experience long-term peace of mind and a sense of comfort and security for the rest of your life.

Our starting point with each and every client we work with is what you want to achieve from the years ahead.

  • Do you want to travel and tick items off your bucket list?
  • Would you like to relocate or perhaps you’d like to renovate your home instead?
  • Would you like to be able to help your grandchildren through university or onto the property ladder?

Whatever your plans are, you’ll want to be sure they aren’t going to affect your long-term financial security. As retirement planning and later life specialists, we will help answer your questions, and replace uncertainty with confidence.

If passing wealth down to younger generations of your family is important to you, we will make recommendations for strategies to enable you to see those you care about benefit from your wealth, and ensure you are making the most of all the tax efficiency opportunities available to you, while not jeopardising your own long-term plans.

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    Understand whether you have enough in the pot to achieve your retirement dreams.

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    Identify if alternative arrangements could help you preserve your wealth for longer.

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    Enjoy your retirement to the full, while ensuring you are saving enough for later life.

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    Discover whether you can afford to help your children or grandchildren financially.


Six things to think about when you’re already retired

Number 1

Allow yourself a period of adjustment

Going from not having a spare moment to yourself to having all the time in the world can be a very exciting feeling, but it can also be a bit of a scary feeling. So don’t be surprised if you have mixed feelings in these early days as you get used to a new routine and slower pace of life. Don’t place any pressure on yourself to be completely anything – organised, excited, or adjusted. You might not know how you feel for a while, and that’s ok.

Number 2

Make a list

While some people spend years daydreaming about what they’ll be able to do when they retire, others find finishing work leaves a gap that’s hard to fill. Starting your retirement with a clear sense of what you want to achieve, both on a day-to-day basis and over the longer term, will help take away any anxiety you may be feeling about this new phase of life. Of course, the planning process isn’t something you can expect to complete in a week – so why not simply aim to identify your first goal this week.

Number 3

Treat yourself

You’ve worked hard to get here so why not take a moment to celebrate? How you wish to celebrate your retirement is totally up to you. If want to mark the milestone with a nice bottle of something rather than a big party for all your friends and family, then go ahead, you’ve earned it.

Number 4

Learn from others

Like all major life transitions, there is no one definitive “How to” guide to retirement. And thank goodness – it would be pretty boring if there was only one way to do it! But there are plenty of resources you can turn to. We often recommend our clients read “Where Will You Be Five Years from Today?” by Kobi Yamda; “The Bucket List: 1000 Adventures Big & Small” by Kath Stathers; our blog on writing a bucket list; or our bucket list resource.

Number 5

Take action if you’re worried about your finances

Money worries frequently top the list of concerns people report having as they head into retirement. Even if you have carefully budgeted and saved for many years, you may be feeling some degree of anxiety about going from a monthly pay cheque to drawing from your retirement pot. Don’t let money worries spoil your fun – get answers to your questions and replace uncertainty with a plan. Professional help from a financial planner who specialises in retirement planning can bring peace of mind and confidence about your future.

Number 6

Reach out if you need help

There’s no need to struggle alone if you’re finding the transition hard. Having an active social life and regular arrangements with friends to look forward to is important in making a successful transition. But there are also plenty of organisations, such as Age UK and Independent Age, that can offer advice, support and a new network of friends if you’re finding the loss of workplace interaction difficult to replace.


Ready to talk?

If you want to know more about getting the most out of your finances for your retirement, investing or estate planning, please get in touch. You can send us an email or use the direct message box at the bottom of this page. Or call us and we can chat through your needs and, if you are ready, make an appointment to better understand how we can help.