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Retirement Planning

Plan today for a financially confident retirement

The decisions that you make today are usually what shapes your future. Our retirement planning advice helps you to understand your options, make informed decisions, and create a clear strategy for achieving the retirement you have been working towards.

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Your pensions and investments may hold more possibilities than you realise

Good retirement planning starts with your goals, not just a number on a spreadsheet. When it comes to retirement, some choices are difficult or impossible to undo. Taking advice before you act can help you understand the consequences, avoid unnecessary mistakes, and make decisions that support your financial security for the long term.

Our Services

Where we can help

How we can help you plan for retirement

Understand your starting position

We’ll help you understand your pensions, savings, investments and other assets, giving you a clearer picture of your financial position.

Shape your retirement goals

What do you actually want to do in your retirement? We’ll go through when you’d like to retire, what lifestyle you want, and how much you think you need to achieve it.

Build your retirement plan

We’ll look at whether you’re on track for those retirement goals we discussed, and if not, we’ll discuss how to get you there.

Keeping your plan on track

Retirement planning is not a one-time exercise. Your circumstances and goals change, and we’ll review your plan with you regularly and make changes where needed.

What can Reeves help you with?

Most people come to us with questions about retirement, their options, or how to make the most of the wealth they’ve built. These are some of the reasons we hear most often.

Retirement Planning

Creating a clear plan to establish when retirement could be achievable, what it might look like, how much income could be needed, and whether those goals are realistic.
Pension Review

After years of working, many people have built up multiple pensions but aren’t sure how they’re performing or whether they’re working effectively towards their retirement goals.
Retirement Income

Drawdown, annuities and defined benefit pensions all offer different options. Understanding how each could provide an income helps create a strategy suited to your lifestyle and needs.
Early Retirement

Retiring earlier can be an appealing goal, but it requires careful planning. Retirement planning advice can help assess affordability while protecting long-term financial security.
Future Planning

Good retirement planning considers more than the point at which work ends. It should provide flexibility for changing circumstances, future income needs and the lifestyle you want to maintain.

FCA Authorised

And regulated

Independent

Whole of market

Over 4,500 clients

Across the UK

A redundancy turned into retirement confidence with Reeves

David was made redundant in his late 40’s, this prompted him to get financial advice and see how his retirement could shape up. Year’s later what has he accomplished?

Read the full story

FAQs

Questions people ask us

How to plan for retirement?

Start by identifying when you’d like to retire and the lifestyle you want to enjoy. From there, assess your existing pensions, savings and investments to understand whether you’re on track. Think about how much income you’ll realistically need, the impact of inflation, and any major future expenses. Regular reviews are essential, as retirement planning is an ongoing process rather than a one-off exercise.

How much do I need to retire?

Rather than focusing on a specific figure, it’s more important to understand the income you’ll need in retirement. Consider your expected expenditure, planned lifestyle, travel ambitions, and any financial support you may wish to provide to family. Ultimately ‘how much’ is down to you. It can be tricky to work out on your own what your savings pot should look like at the start of retirement planning, but a financial adviser can usually help you with this.

What is the age for retirement in the UK?

There is no set retirement age in the UK, so you can retire whenever your finances allow. Most personal and workplace pensions can currently be accessed from age 55 (but this is increasing to age 57 from April 2028 for people born on or after the 6th April 1973). The State Pension is separate and is currently available from age 66. Retiring before State Pension age means you’ll need sufficient income from pensions, savings, or investments to bridge the gap until your State Pension begins.

How do I get retirement advice?

Retirement advice can be obtained from a qualified financial adviser who specialises in pensions and retirement income planning. An adviser can review your existing arrangements, explain your options, and help you understand how different decisions may affect your future income. Advice is particularly valuable when considering pension withdrawals, retirement timing, tax implications, and long-term financial stability.

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TOOLS

Tools to help you
think it through

Quick and free. Each one gives you a rough picture you can bring to a conversation with an adviser.

Pension Calculator

See what your pension pots could be worth by the time you stop working.

Learn more

Latest insights

Straightforward writing on pensions, retirement, tax and investments.

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General

A new website for Reeves Independent: A clearer way to start thinking about retirement

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by Reeves Team

Retirement

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Pensions

3 Reasons For and Against Taking a Tax-Free Lump Sum From Your Pension

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by Pre-Retirement Team