Plan for retirement

Plan for retirement

We all have an idea of how we’d like retirement to be...but can we do more to make our dreams our reality?

The good news is yes, you can and you definitely should – especially as the pension freedoms introduced in 2015 give you more choice than ever before.

If you have yet to retire, we encourage you to take some time now to look ahead to your retirement, and consider the financial and practical aspects of retirement.

Countdown to retirement

A typical year prior to retirement, for your pension can look like this:



*Safeguarded benefits could include Guaranteed Annuity Rates (GARS) and Guaranteed Minimum Pension (GMP). 

Find out about your options and what to consider when planning your retirement with our easy to follow guides:

Pension freedoms

From April 2015, flexible options became available for retirees.

Your state pension

Find out about what the state provides.

Personal pensions

Understand more about the type of pensions you may have built up.

Other income

You may have built up other sources of savings which could boost your income in retirement.


Knowing how your income and costs change through retirement will help you plan more effectively.

Advice and guidance

Make sure you understand your options and make the right choices.

Shopping around

With all options available to you, it's more important than ever to shop around for the best deals.

Useful websites

Links to other websites that can help with aspects of retirement.

Changes to consider

Retiring can be a time of emotional and practical change.

Here to Help

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