John’s main priorities were:
We conducted a full review of John’s financial position, including his existing pensions, savings, income needs and lifestyle goals. We helped him assess the income he would need to maintain his current standard of living, and discussed how that might change in later life.
We also explored the full range of retirement income options, including annuities, drawdown, and phased retirement, helping John to weigh up the pros and cons of each based on his circumstances and attitude to risk.
To simplify and strengthen his retirement plan, we recommended:
This gave John a clear, practical roadmap for the decade ahead.
Using detailed cash flow modelling, we showed John how different decisions, such as retiring earlier or later, or downsizing his home, would impact his financial future. These visual projections helped him feel more informed and in control, transforming uncertainty into clarity.
John now has a well-structured, flexible retirement plan that supports his long-term goals. With his pensions consolidated and an investment strategy in place, he can look ahead with greater certainty and peace of mind.
