Retirement is one of the most important decisions you will ever take. Whether retirement is imminent, you want to phase out of work or it’s several years away, having a structured plan in place can make the difference between an uncertain or secure retirement.
Many people ask the same questions:
• How shall I take income from my pension(s)?
• Will my pension provide enough for my lifestyle?
• How can I make my pensions last throughout retirement?
As an independent financial adviser in Manchester, we help clients build structured retirement income strategies designed around their goals and lifestyle.
As an independent financial adviser and planner, we’ll help you find answers and create a plan. Using market-tested cashflow forecasting, we’ll show you how your money could perform under different scenarios, when you can realistically retire and how to create a sustainable income without compromising your quality of life.
Rather than relying on guesswork, your plan helps you to visualise your financial future and explore questions such as:
• Could I retire earlier than I originally planned?
• What happens if I reduce my working hours?
• How much can I realistically spend each year?
• How might market downturns affect my plan?
For many people, seeing these projections provides a level of clarity that transforms how they think about retirement and gives them confidence in their decisions.
Retirement isn’t just about stopping work – it’s about having the freedom to choose how you spend your time. Whether that’s travelling, supporting your family or just enjoying a comfortable lifestyle. However, the decisions you make in the years leading up to and at retirement can have a lasting impact on your finances and the choices available to you later in life.
To help you, we:
For many clients, the biggest benefit is peace of mind knowing there is a plan in place so you can retire with confidence and work is optional.
Effective retirement planning starts with understanding your goals and plans before focusing on products.
Understanding Your Plans
We begin by discussing what retirement means to you. Whether your priority is travelling, reducing working hours, or helping your family, your plan should reflect the life you want.
Building Your Financial Plan
Using market-tested cashflow forecasting, we’ll show you how your money could perform under different scenarios, when you can realistically retire and how to create a sustainable income without compromising your quality of life.
Identifying Opportunities
We review your existing pensions, investments and savings to identify areas where adjustments could strengthen your long-term position and reduce any risks.
Implementing The Plan
Once your strategy is agreed, we put the recommendations into action — from arranging pensions and investments to setting up your income.
Ongoing Financial Advice
Retirement is not a one-time decision. As tax rules change, markets shift or your circumstances evolve – your plan adapts with you and your personal vision for life after work.
The decisions (or lack of) you make with your pensions and investments will ultimately decide how much income you can have in retirement and when you can leave work, which is why many people value a financial plan and specific advice from a professional.
As independent financial advisers, we are not restricted to a limited range of providers. This allows us to recommend solutions based solely on what is most suitable for your circumstances and long-term objectives.
Here’s what one of our retirement planning clients had to say about their experience working with us:
“Having done a huge amount of research and planning on whether and when I could retire, I signed up for a number of free initial consultations with a range of Financial Planners, one of which was Matt. I found his style, approach and way of working very appealing and aligned to me. I then moved forward with Matt and worked with him on my retirement plan and timings. He is a pleasure to work with and I therefore heartily recommend Matt to anyone wanting the expertise and reassurance as you plan or head into retirement.”
Working with an experienced financial adviser in Manchester gives you clarity, structure and confidence when making long-term decisions.
If you are thinking seriously about retirement and want the same level of clarity and reassurance, we’re here to help.
Ideally, retirement planning should begin years before you intend to stop working. Starting early creates more flexibility and allows time to make appropriate adjustments so you can have an even bigger impact on your future options.
However, it is never too late to benefit from professional advice. Whether retirement is ten years away or you want to retire as soon as possible, understanding your financial position can help you make better decisions about pensions, investments, and your retirement income strategy.
The amount required varies depending on your desired lifestyle, retirement age, and existing assets. A personalised retirement plan provides a far more accurate answer than general guidelines.
As a useful starting point, the Retirement Living Standards provide guidance on the level of income typically associated with minimum, moderate, and comfortable retirements. However, because no two retirements are the same, tailored advice can help ensure your plan is aligned with your desired level of income at different stages of retirement.
