Picture the life you want
Think about timing, where you might live, the things you want time for, and what a comfortable day-to-day life means to you.
Make room for what matters
Retirement
planning.
Retirement planning starts with the life you’d like to lead. From there, you can build a clearer picture of likely income, future costs and the choices worth exploring.
Explore the planREADING · UK & EUROPE
Your next chapter, your way.A future worth picturing
Life first.
Then the numbers.
A thoughtful plan brings your priorities and your finances into the same conversation. It can help you understand what you may have coming in, what you may need going out, and where there are questions to answer.
Map income and outgoings
Bring together an estimate of regular costs, one-off plans and possible income sources, such as workplace or personal pensions, the State Pension, savings or part-time work.
Find the gaps and questions
Compare the picture you have with the one you want. This can highlight timing, affordability, flexibility and resilience questions to explore.
Review as life changes
Plans can evolve as work, health, family needs or priorities change. Regular check-ins can help you keep the assumptions and next steps current.
A useful place to start
Bring the full
picture together.
MoneyHelper’s checklist covers budgeting, estimating retirement income and deciding when to retire. It also links to free tools and impartial guidance.
Read the retirement planning checklist ↗Start with what you know.
Write down what you want
to find out next.
Personal advice is personal
This page is general information, not a personal recommendation about pensions, investments or when to retire. Pension and investment decisions can affect your financial future. If you need a recommendation tailored to you, check that the adviser and firm have the appropriate permissions.
How to check a firm or individual with the FCA ↗A clear next step can start with a conversation.