Retirement Financial Planning

Plan your retirement with clarity and confidence

Retirement is about more than stopping work. It is about having the freedom and confidence to spend your time in the ways that matter most to you.

I provide independent retirement financial planning for individuals and couples in their 50s and early 60s across East Devon. If retirement is beginning to feel real, I can help you understand how your pensions, investments and savings fit together—and whether they can support the life you want.

You may be asking:

• Do we have enough to retire?
• When can we afford to stop working?
• What level of retirement income can we expect?
• How should we use our pensions, investments and savings?
• Will my spouse or partner remain financially secure?
• What happens if our plans or circumstances change?

Financial planning built around what matters to you

The starting point is not a product or investment. It is a conversation about the life you want after work, the people who matter to you and the choices you would like to have.

We then create a financial plan that brings your pensions, investments, savings, income and future spending together. This can help you see what is possible, understand the decisions ahead and make informed choices with greater confidence.

Your plan can explore different scenarios, including retiring sooner or later, working part-time, spending more in the early years of retirement, helping family members and allowing for unexpected costs. It is reviewed over time so it can adapt as your life, priorities and financial circumstances change.

Useful retirement planning tools

For a useful starting point, use the retirement lifestyle calculator to estimate the income your preferred lifestyle may require. You can then use the retirement savings calculator to explore how much you may need to save towards that goal.

These calculators provide illustrations rather than personal financial advice. A full financial plan considers your circumstances, priorities and the trade-offs that matter to you.

Retirement financial planning in East Devon

I work with clients throughout East Devon and the surrounding area, including Exeter, Exmouth, Seaton, Sidmouth, Budleigh Salterton, Topsham, Lympstone and Honiton.

If you are within around ten years of retirement and want clarity about what your money can make possible, arrange an initial conversation.

Frequently asked questions

When should I start planning for retirement?

It is helpful to start before retirement becomes an immediate decision. Many clients begin planning in their 50s or early 60s, when there is still time to understand their position, consider different options and make changes where appropriate.

How do I know whether I have enough to retire?

This depends on the lifestyle you want, your likely spending, the assets and income available to you, and how these may change over time. Cashflow planning can bring these elements together and test how your plans may cope with different scenarios.

Can you help me turn my pensions and investments into retirement income?

Yes. Retirement planning can consider the different sources available to you, the order in which they might be used and how your income may need to change throughout retirement. Any personal recommendation will depend on your circumstances and objectives.

What happens to my spouse or partner if I die first?

A financial plan can show how income and assets may change after the death of either partner. This helps identify any gaps and allows financial security for the surviving partner to be considered as part of the plan.