Retirement can last for 30 years or more depending on when you retire and how long you live. Your income in retirement is likely to come from several sources including your State Pension, any other pensions you’ve built up while working and any savings and investments you have.

Before you give up work you need to make sure these will provide you with enough money to live on for the whole of your retirement.

As most of us don’t know how long we’re going to live it’s hard to know how long our money needs to last. You don’t want to use up your money too quickly and risk not having enough later on. On the other hand, you don’t want to have to live more frugally than you need to. You also need to consider how inflation can affect how much money you’ll need to live on and how long your savings will last.

We can help you decide how you should draw your pension benefits and structure your income in such a way to maximise your tax allowances and reduce risk.

We will then work with you on an ongoing basis to help you spend with confidence and provide reassurance that you will never run out of money.