3 Phases of Retirement Spending

3 Phases of Retirement Spending

Spending in retirement is not straightforward and based on my personal experience working with hundreds of retirees there are actually 3 phases of retirement spending.  No longer is it a case of retiring and receiving the same amount of income every month for the rest...
Topping Up Your State Pension

Topping Up Your State Pension

Topping up your State Pension before you get to your State Pension Age could give a significant boost to your retirement income for the amount it costs.   For a relatively small one-off payment, you could increase your State Pension for the rest of your life.   In...
Why You Should Consider A Phased Retirement

Why You Should Consider A Phased Retirement

Rather than completely giving up work at a set age why not consider a phased retirement?  It used to be the case that once you hit your retirement age that was it, you packed up work to enjoy your twilight years. Or worse, you were forced to retire.   Thankfully, age...
Maximising Your Retirement Income

Maximising Your Retirement Income

The problem when you retire is that you lose the safety net of your salary and therefore it is vital that you are maximising your retirement income.    You are left with the savings you have built up through a lifetime of working and it’s unlikely those savings are...