What if my circumstances change later on?
Retirement brings freedom
and big decisions
Retirement is one of the biggest transitions you will ever make. For some, it’s exciting and long-awaited. For others, it brings uncertainty, anxiety, or a sense of being overwhelmed by choices. Even those who have already retired can find themselves wondering whether they’ve made the right decisions or whether their plans will truly hold up over time.
At Henley & Co, we help bring structure, clarity, and confidence to this stage of life, so decisions feel considered rather than rushed.
How can I find all my old workplace pension?
Can I afford to retire now, or do I need to keep working?
How much income can I safely take without running out of money?
How do I balance enjoying retirement with leaving something for my family?
What happens if markets fall early in my retirement?
For most, retirement is about:
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Replacing the security of a regular salary with confidence in their income
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Knowing their lifestyle is sustainable, not just affordable today
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Having flexibility and choice, without constant financial worry
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Feeling comfortable spending, rather than fearing it
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Enjoying retirement while still planning responsibly for the future
Without a clear plan, it’s easy to second guess decisions or feel unsure whether you’re doing the right thing. That’s where thoughtful retirement planning makes the difference, helping you understand your options, test different outcomes, and move forward with confidence.
How we help you prepare
for retirement
Retirement planning works best when decisions are made with clarity and foresight. Our role is to help you understand your options fully, test different outcomes, and build a plan you can feel confident in, both now and in the years ahead.
Our process can be broken down into 4 simple steps:
1
We begin by taking the time to understand your current financial position, your retirement goals, and the lifestyle you want to enjoy. This includes reviewing your pensions, savings, investments, income needs, and any concerns you may have about the future.
2
Using detailed cash flow modelling, we show how your income, pensions, savings, and investments are likely to interact over time. This allows you to explore different scenarios, such as retiring sooner or later, varying income levels, market volatility, or changes in spending, before committing to any decisions.
3
Based on this analysis, we produce a clear, easy-to-understand written retirement plan. This sets out your options, recommended strategies, and the reasoning behind them, so you can make informed decisions with confidence and clarity.
4
Retirement is not a one-off event. As your life, priorities, or financial circumstances change, we review and adjust your plan to keep it aligned with your goals, helping you stay on track and feel reassured throughout retirement.
Why choose Henley & Co to support your retirement plans?
Choosing the right adviser at retirement is about more than expertise. It’s about trust, understanding, and knowing your adviser is focused on what matters to you, not just the numbers.At Henley & Co Wealth Management, our approach is built around long-term relationships and thoughtful, considered advice.
When you work with us, you can expect:
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A relationship-led approach
We take the time to understand you, your family, and what you want your retirement to look like, so advice is always personal and relevant.
Bespoke retirement planning
Your retirement plan is built specifically around your circumstances, lifestyle expectations, and priorities, not a standard template.
Clear cash flow modelling
We use detailed modelling to help you see how your income and assets may work over time, giving you clarity and confidence before making decisions.
Written, easy-to-understand plans
You receive a clear retirement plan that explains your options and the reasoning behind them, so nothing feels rushed or unclear.
Ongoing reviews and support
Retirement evolves. We regularly review and adapt your plan as markets move, circumstances change, or new priorities emerge.
A holistic view of your finances
We consider pensions, investments, tax efficiency, inheritance planning, and income together, ensuring decisions work in harmony.
Reassurance through experience
We help you navigate retirement decisions calmly and carefully, reducing uncertainty and helping you feel comfortable with the path you choose.
Our aim is simple - to help you approach retirement with clarity, confidence, and peace of mind.
Frequently asked questions about retirement and pension planning
Whether you have “enough” all depends on the lifestyle you want in retirement, how long your money needs to last, and how your income sources work together. At Henley & Co, we use detailed cash flow modelling to look at your pensions, savings, and spending to give you realistic projections. This helps you see not just what your pot could deliver, but how it supports the life you want — so you can decide with confidence.
Get in Touch
If you’d like to talk through your plans or have questions about your financial position, we’d be happy to help. Get in touch to arrange an initial conversation.