Retirement Planning

retire to do what you want to do

Working together

How We
Can Help

Retirement planning is an important part of wider financial planning. We believe that the key to a happy retirement is a sensible plan. We will provide recommendations for how to reach your retirement goals and help you make informed decisions. With our cash flow and projection tools, we can choose appropriate portfolios designed to fit your lifestyle and attitude toward risk. We can help you with setting up a new pension plan, reviewing and consolidating your existing arrangements, or helping you to draw your pension when it’s time to retire.

Pension Review

Evaluate the costs and benefits of your existing pensions and optimise funds according to your risk profile.


We can help you to consolidate your multiple pensions into one easy manageable pot.


Ready to draw your pension? A friendly adviser will help you decide the best way forward.

helping you manage your money

Pension Planning

How much do I need to retire?

Everybody has different needs and there is no single rule. The State Pension will provide some income but might not be enough to support a comfortable life. We will assess your current expenses and how much you could save per month with our cash flow tools to estimate your target pension pot.

Should I consolidate my pensions?

That depends. At Glade Financial we will analyse your current pension provisions, their performance and underlying funds. We will analyse your circumstances and risk profile to evaluate the best way to manage your money. If we agree that consolidating your pension is the right choice, whether due to costs, risk profile or ease of management, we will make all the necessary arrangements.

"Retirement is wonderful if you have two essentials: much to live on and much to live for."


plan of action

know your Options

We will begin with a free no-obligation consultation to understand your circumstances and needs and if the service we provide is right for you. Afterwards, we will prepare a report of recommendations based on the information we gathered. If you decide to go with our advice, we will take care of the fund implementation and policy administration for a fuss-free process.


State Pension

The Government provides the State Pension when you reach retirement age. To claim your pension, you will need a minimum of 10 qualifying years on your National Insurance record.


Workplace Pension

A workplace pension is a way of saving for retirement that is provided by your employer. We can provide impartial advice about your workplace pension.


Self-Invested Private Pension

A SIPP is a tax-efficient way to invest toward your retirement. It gives you flexibility over when and how to invest in your pension.

Helping you get the most out of your money and pension

Retirement planning

Your retirement Journey

From setting up your target retirement income to arranging your drawdown, we are here at every step of your journey.

our promise:

Some way off

We will help you to establish how much money will you need at retirement, how much you need to be saving and what to invest in.

Nearly there

We will start de-risking your portfolio, maximising your contributions and tax allowances available to you.

At retirement

You will have a lot of choices and will need to make decisions about how you want to retire.

In retirement

We’ll review your income, start planning for later life and finalise estate arrangements.

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