Approaching Retirement

Retirement isn’t just about stopping work—it’s about ensuring you have the financial freedom to live life on your terms. The key question isn’t just ‘when can I retire?’ but ‘will I have enough to retire comfortably—without running out of money?’

With increasing market uncertainty, rising taxes, and the erosion of pension benefits over time, retirement planning has never been more complex. The introduction of Pension Freedoms gave retirees more flexibility, but also more responsibility—and with that comes greater risk.

The biggest pitfalls—inflation, longevity risk, tax inefficiencies, and unsustainable withdrawals—can quietly derail even well-funded retirements. That’s why a structured, well-tested plan is essential. Your retirement shouldn’t be based on guesswork, generic rules of thumb, or blind optimism—it should be built on a strategy that ensures your wealth lasts as long as you need it to.

Now is the time to take control and build a plan that gives you confidence for the future.

How We Help You Retire With Confidence

• Retirement Income Planning – Structuring a withdrawal strategy that balances income needs, investment growth, and risk.
• Cashflow & Scenario Modelling – Stress-testing your finances under different market conditions and life events.
• Tax-Efficient Withdrawals – Ensuring your pensions, ISAs, and investments are structured to minimise tax and maximise income.
• Inflation-Proofing Your Retirement – Ensuring your plan accounts for the rising cost of living.
• Wealth Structuring for Your Family – Helping you plan not just for your retirement, but for the financial wellbeing of the next generation.

You’ve worked hard to build your wealth. Now, let’s make sure it works for you—throughout retirement and beyond.

 

The value of an investment with St. James's Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The levels and bases of taxation, and reliefs from taxation, can change at any time. The value of any tax relief is dependent on individual circumstances.