Retirement planning, built around you
Can I afford to retire? How will I spend my days? Will my family be okay when I’m no longer here?
Retirement is one of life’s biggest milestones. With careful planning and the support of a Lifestyle Financial Planner, it can be something to approach with greater clarity and confidence.
How we’ll support you on your retirement journey
1
Getting to know you
We start by understanding what matters most to you. We’ll explore your goals, explain how we work, and confirm whether we’re the right fit to support your retirement plans.
2
Shaping the retirement you want
Together, we’ll define what your ideal retirement looks like. Using cashflow modelling, we’ll help you see how your finances could support the lifestyle you want, giving you clarity and confidence about the future.
3
Making sense of your finances
Our qualified, experienced pension planners will review your workplace and personal pensions, helping you understand how they work together and what options are available to you.
4
Building a clear, tailored retirement plan
We’ll create a personalised retirement plan, aligned to your goals, risk appetite and timeline. Our advice is independent and whole of market, shaped around how and when you plan to retire.
5
Ongoing support as life changes
As your life, legislation and financial markets change, we’ll review and adapt your plan to make sure it continues to meet your needs.
Throughout your journey, you’ll be supported by a Chartered firm that meets the highest professional and ethical standards – so you can feel confident in every decision you make about your retirement. It’s all part of giving you the reassurance that your plans are being shaped with care, expertise and a long-term view of what matters most to you.
Don’t just take our word for it
Hear from our clients about how our retirement and pension planning services have supported them over the years:
Candy Shaw
Through retirement planning, Candy gained the emotional and financial space to prioritise family, purpose and the legacy she’s continuing to shape.
Perry and Tia
Professional retirement planning gave Perry and Tia clarity and reassurance, allowing them to retire on their terms and enjoy the life they had worked so hard to build.
Marianne and Jane
Careful retirement and pension planning services enabled Marianne and Jane to embrace a once‑in‑a‑lifetime travel experience and prepare for the years ahead.
Looking to do a little more research first?
Explore our range of specialist resources below to get started:
Retirement guide
Get in-depth tips and advice on planning for retirement in Attivo’s expert-written guide:
Pension calculator
Plug your details into Attivo’s pension calculator and discover your retirement readiness:
Get the latest pensions insights and retirement know-how in our dedicated article series:
How to turn a strong pension into a structured retirement plan
Learn how to structure your wealth for better income, lower tax, and greater flexibility.
Your five-step pre-retirement checklist
A practical guide to help you understand your retirement income and how to turn your savings into a reliable plan.
How does your pension compare to others your age?
See typical UK pension pots by age and what you may need for a comfortable retirement.
The biggest questions we’re asked about retirement:
When can I access my pension?
Most pensions can currently be accessed from age 55, rising to 57 from April 2028. This can vary depending on the type of pension you hold and future legislation.
How much will I need to retire comfortably?
This depends on the lifestyle you want in retirement and when you plan to retire. At Attivo, we use cashflow modelling to help you understand what your retirement could look like and whether your plans are on track.
How much could my pension pay me each year?
The income your pension could provide depends on its value, how it is invested, and how you choose to take benefits. We help you understand sustainable income options based on your circumstances.
Can I take tax-free cash from my pension?
In many cases, yes. Most people can usually take up to 25% of their pension as tax-free cash when they start accessing it. How and when you take this can significantly affect your longer-term income.
What tax will I pay when withdrawing from my pension?
While up to 25% is usually tax-free, the remainder is generally taxed as income. The amount of tax you pay will depend on your total income and prevailing tax rules.
What are my options for taking an income in retirement?
Your options may include flexi-access drawdown, annuities, or taking income from workplace pensions such as defined benefit (DB) or defined contribution (DC) schemes. Each provides different levels of flexibility and certainty, depending on the type of scheme and your priorities.
What is an annuity compared to drawdown?
With an annuity (for example, a lifetime annuity), you exchange some or all of your pension for a regular income, which can provide a level of certainty. Drawdown allows your pension to remain invested and gives you more flexibility over how and when you take income, although this can vary over time. The most suitable approach will depend on your goals, health and attitude to risk.
How does my pension work alongside the State Pension?
Your personal and workplace pensions are paid in addition to any State Pension you are entitled to. We help you understand how these income sources fit together.
Let’s take your retirement journey together.
The first step is booking your free, no-obligation consultation with a member of our team.
Click the button below and we’ll be in touch to arrange your session at a time and place to suit you.