You've built it. Now it needs to last.
Stopping work is one decision. Spending what you've saved, without worrying it'll run dry, is a harder one.
It's normal to find this hard.
For forty years, the habit was simple: put money away and don't touch it. Now you're meant to do the opposite, and it can feel like watching the fuel gauge drop with no petrol station in sight.
That unease is normal, and it doesn't mean you've done anything wrong. It usually means you've been careful, which is how you got here.
You're allowed to enjoy what you've built. The point of a plan is to show you how much, and for how long.
The questions we'll answer together.
Recognise a few of those?
Book a 20-minute call- How much can I take each year, and how confident can I be that it'll last?
- Which pot should I draw from first: pension, ISA or savings?
- What if markets fall in the first few years?
- How does the State Pension fit in, and when does it start?
- Can we afford to help the children now, rather than later?
- What do the 2027 changes to pensions and inheritance tax mean for us?
Spending without second guessing it.
Booking the trip without checking the balance three times. Saying yes when the grandchildren's swimming lessons come up.
Replacing the car before it becomes a problem, not after.
For a lot of people I meet, the bigger risk isn't running out. It's spending so carefully that they never get to enjoy what they spent their working lives building.
How we work through it.
We talk.
A short call first, then an hour together, with no charge for either. What you have, what you spend, and what you'd like to be spending.
I model it.
I build your finances into a cashflow model and test the things that keep people up at night. Markets falling early on. Living to 95. One of you needing care.
You get it in writing.
A plain-English plan that's yours to keep, no jargon or ambiguity.
I keep an eye on it.
This is the part that matters most once you've stopped. Markets move and rules change, and we review your plan every year so I notice problems before you have to.
Worth twenty minutes?
If it would help to talk it through, I'm happy to. A short call, no charge, no pressure. If you go further, you'll see exactly what it costs in writing before you agree to anything.