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Clive’s Retirement Challenge 

Clive wanted to know what his retirement options are when he retires in the next 5-10 years. He has multiple pension policies accumulated throughout his working career and needed clarity around his retirement options. He wanted to know how much income he would need to retire and where it would come from. He had no idea about whether his existing pensions were performing adequately to meet his retirement needs.  He was also looking for flexibility around when he could draw upon his pension but was unsure about how to achieve this.

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Our Solution

We analysed all his assets, some of which were underperforming. After lengthy discussions about his future goals and needs, we presented a personalised financial plan which would give him a clear sense of the steps he needed to achieve this. We suggested that he consolidated the majority of his pensions with one provider for simplicity and flexibility of withdrawing income. However, we recommended that one existing pension with an enhanced annuity rate was left in place to draw upon when he retired.


The Outcome

He is now clear about what he needs to today and over the next few years. We will work with Clive to review this plan on an ongoing basis as his needs change over the course of his life.

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41 North View,

Westbury Park,

Bristol BS6 7PY

0117 907 1965