Can I afford to stop?
Let's find out properly. Most people have a number in their head. Very few know whether it's the right one.
You're in good company.
If you've been putting this off, you're not alone.
Capable people often leave it longest. You've run a business, a team, a trade or a household for decades, and this is the one area where you feel like a beginner. So the pension letters go in a drawer, and the question stays in the back of your mind.
That's normal. You don't need to have it worked out before we talk, and you don't need to find every statement first. Most people I meet are in better shape than they feared. The only way to know is to look.
Start with the life, not the number.
A Tuesday in March. No alarm. A walk on the Downs before the rain comes in. Lunch with someone you've been meaning to see for years. An afternoon that belongs to you, and no knot in your stomach about whether you can afford it.
That's the part that matters. The numbers are there to tell you whether you can have it, and when.
It's one of the first things I'll ask you: what does your Tuesday look like?
The questions we'll answer together.
Recognise a few of those?
Book a 20-minute call- When could I stop, and would another year or two make much difference?
- How much can I spend each year without second-guessing it?
- What if markets fall just as I stop?
- What happens to my partner if I go first?
- Should I take my tax-free cash, and when?
- I've got pensions all over the place. Does that matter?
How we work through it.
By the end, you'll know whether you can stop, when, and what you can spend.
We talk.
A short call first, then an hour together, with no charge for either. What you want, what you're worried about, what you've got.
I model it.
I build your actual finances into a cashflow model and test it. Stopping at 60, or 62. Markets falling the year you stop. One of you needing care.
You get it in writing.
A plain-English plan that's yours to keep, no jargon or ambiguity.
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.