Retirement Planning
Plan today for the life you want tomorrow
At Prosperity Financial, we help you make sense of retirement – what it costs, when you can afford to stop working, and how to turn your savings into a sustainable income.
Whether you're just starting to think about retirement or approaching the finish line, our independent advisers work with you to build a tailored plan that gives you clarity, control, and confidence in your financial future.
What does retirement look like for you?
There’s no one-size-fits-all approach to retirement. You may want to slow down gradually, travel, support your family, or start a new venture. Whatever your goals, we help you understand how to fund them and ensure your money works as hard as you have.
Our retirement planning services include
Pension reviews and consolidation
We assess all your existing pensions – workplace, personal, or legacy schemes – to ensure they’re aligned with your retirement goals. Where suitable, we help consolidate pensions to reduce fees and improve performance.
Cash flow forecasting
We use cash flow modelling to show how long your savings might last, what income you can draw, and how different scenarios – like inflation or early retirement – could impact your future plans.
Tax-efficient withdrawals
We guide you through the most efficient way to draw from your pensions, ISAs and other assets, helping you minimise tax while making the most of available allowances.
Investment strategy in retirement
Once you stop working, your investment approach needs to evolve. We create a plan that balances growth, risk, and income requirements to support a long and secure retirement.
When should you start planning?
The sooner you begin planning for retirement, the more options you'll have – but it's never too late to put a strategy in place. Whether you're 10 years away or already retired, we can help you make better financial decisions moving forward.
Let's start with a conversation
We offer an initial consultation at no cost. It’s an opportunity to discuss your retirement aspirations, review where you are now, and explore how we can help you move forward with confidence.
