Retirement on her terms.
Retirement planning helped Lara understand whether she could step back from work with confidence.
Independent · Whole-of-Market · Midlands & UK-Wide
AT A GLANCE
From life change to retirement clarity.
A look at how Lara’s pension, savings, inheritance and lifestyle needs were brought together into one clear plan.
Client Feedback
05
Tom gave me sound financial advice and is extremely knowledgeable, trustworthy and professional. He keeps me updated regularly, and I would thoroughly recommend him.
Lara B.
Oct 2025,
Nottinghamshire
01
Major life change
After a significant change, Lara wanted to know whether returning to full-time work was necessary.
04
A clearer choice
With a clearer plan, Lara could make an informed decision about stepping back from full-time work.
02
Financial Picture
We brought together Lara’s pension, savings, inheritance and expected income.
03
Bridging the gap
Cashflow planning helped show how savings could support the years before pension income began.
Photos changed for privacy purposes.
Please note your home may be repossessed if you do not keep up repayments on your mortgage.
Photos changed for privacy purposes.
CASE BREAKDOWN
A clearer path to
retirement.
A closer look at the planning, assumptions, and decisions that helped the client understand her options.
The retirement journey
After a significant change in her life, Lara wanted to know whether she needed to return to full-time work or could retire earlier than expected.
She had a valuable fire service pension, alongside savings and an inheritance, but needed to understand how these different resources could work together.
We used retirement planning and cashflow modelling to explore Lara’s income needs, available assets and the years before her pension income began.
This gave Lara a clearer picture of her options and the confidence to make an informed decision about stepping back from full-time work.
Photos changed for privacy purposes.
Key challenge
Lara wanted to know if her pension, savings and inheritance could support her without working full-time.
Key focus
Bringing together Lara’s retirement income, savings, inheritance and lifestyle needs into one clear plan.
A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Facing similar choices?
Book a 30-minute call and we will help you choose what comes first.
A pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
HERE TO HELP
Helpful details.
A few simple notes to help you feel prepared before we speak.
Timeframes
Once we understand your situation, we’ll outline the likely steps and timings.
Key documents
Once you’ve booked a call, we’ll send a simple checklist of the documents to bring.
The value of investments can fall as well as rise and you may not get back the amount originally invested.
Decision points
We’ll help you weigh the options, talk through the trade-offs, and agree the next practical steps.
RESOURCES
Get the budgeting spreadsheet.
A simple spreadsheet to see what’s coming in, what’s going out, and what you can change.
CALCULATOR · INVESTMENT GROWTH
See how regular saving could grow over time and what consistency can do.
GUIDE · INHERITANCE PLANNER
Know who to speak to, what to gather and what to do first after an inheritance.
Coming soon
FEATURED GUIDE
Budgeting Spreadsheet
Track spending, spot easy wins and feel more in control of your money.
COMMON QUESTIONS
Retirement FAQs.
Quick answers to the questions people usually ask before making retirement decisions.
GET IN TOUCH
Let's talk about what matters to you.
Book a 30-minute initial call. No obligation, no jargon. We'll listen, answer questions, and see if we're the right fit.
OFFICE:
NBV Enterprise Centre
6 David Lane, Basford
Nottingham
NG6 0JU
Video calls available UK-wide
CALL US:
Telephone: 0115 855 7538
Mobile: 07528 631619
The value of investments can fall as well as rise and you may not get back the amount originally invested.
Please note your home may be repossessed if you do not keep up repayments on your mortgage.
We'd love to help.
Fill in your details and we will be in touch soon.
Book now
GET IN TOUCH
Let's talk about what matters to you.
Book a 30-minute initial call. No obligation, no jargon. We'll listen, answer questions, and see if we're the right fit.
OFFICE:
NBV Enterprise Centre
6 David Lane, Basford
Nottingham
NG6 0JU
Video calls available UK-wide
CALL US:
Telephone: 0115 855 7538
Mobile: 07528 631619
The value of investments can fall as well as rise and you may not get back the amount originally invested.
Please note your home may be repossessed if you do not keep up repayments on your mortgage.
