In your late 50s and early 60s, attention often turns more fully towards retirement. Priorities shift from building wealth to preparing for how and when you step back from work.
This stage focuses on understanding what you have built and how to structure your finances to support your lifestyle with confidence in the years ahead.
Your three money priorities
1
Understand your retirement income
A clear picture of your future income is essential. Reviewing pensions, investments and other assets helps you understand what level of income they could provide and whether you’re on track for the lifestyle you want.
2
Structure your pensions and investments
As retirement nears, it becomes important to review how your pensions and investments are organised. Consolidation, withdrawal strategies and tax planning can all play a role in making your income more efficient.
3
Protect your wealth and legacy
Retirement planning also includes thinking about the long term. Considering inheritance planning, tax efficiency and how your wealth will support your family can help ensure the assets you’ve built continue to work for future generations.
Are you retirement ready?
Take our five-minute assessment to see where you stand and what steps could strengthen your retirement plans.
Featured resources
How does your pension compare?
See typical UK pension pots by age and what you may need for a comfortable retirement.
Your five-step pre-retirement checklist
A practical guide to help you understand your retirement income, your options, and how to turn your savings into a reliable plan.
A guide to retirement
Retirement is the beginning of a new and fulfilling journey. Get ready with practical financial strategies and emotional and lifestyle planning
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Inheritance Tax and Estate Planning
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Pensions and Retirement Planning
Make your pension work harder to create the lifestyle you want.
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Intergenerational Wealth Transfer
Learn how to pass wealth efficiently and keep more within your family.
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Leaving a Legacy
Explore how to shape the impact you leave for future generations.
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The information provided here is for general guidance only and does not constitute a personal recommendation. Any decision to invest should be made in the context of your individual circumstances and financial objectives. The value of investments and any income from them can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.
Always on hand
to help
As retirement approaches, financial decisions become more significant. The priority shifts to how your wealth will support your income, lifestyle and long-term security.
Our financial planners work with clients to bring clarity to this transition. Helping you understand where you stand and how your pensions, investments and other assets can be structured to support the years ahead.
Book a consultation to build a clear, confident retirement plan.
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