The first thing you need to think about is what you want to do in retirement. It’s so important to start at the end and work backwards! Do you have grandchildren you want to take on holiday? Do you love cars and want a different new car every year? Is the garden centre your stomping ground? These questions will help guide you to understand the type of lifestyle you want to live in retirement. You can discuss these options with one of our specialist advisers who will get to know you and what you would like to achieve. Once we know your story, we can help you write the end of it, ensuring you have enough money to live the lifestyle you desire.

In a word no - it’s never too late to make a plan but there are obvious benefits to starting your retirement planning early. You can’t undo what has already been done but with bespoke advice from a specialist you can work with what you have and make the most of your future finances.

Retirement planning is a privilege for us here at SSA, helping you live the life you want when you stop working is something we take real joy in. So, whether you’re 25, 35, or 55 think about your story and what you want each chapter to say. Then, let us help you achieve it!