Approaching Retirement Financial Planning

Approaching retirement: 45 to 65

A time of focus and opportunity.

You’ve worked hard to get here – now is the time to shape the future you want.

FORWARD THINKING, FUTURE READY

Now’s the time to make it count.

This stage of life often brings higher earnings, greater stability, and the chance to turn long-term plans into reality. It’s a time to take stock, optimise your finances, and ensure your money is working as hard as you are. Whether retirement feels close or still a little way off, careful planning today can open more possibilities tomorrow.

You’re reaching your peak earning years

Your income has likely grown over time, and with it, your financial responsibilities and goals. You may be managing a household, supporting children or parents, or simply enjoying more freedom to focus on your own future. This is a prime time to save, invest and plan intentionally.

You’re building wealth and reviewing your financial position

You’ve accumulated savings, investments, and pension pots – but are they aligned? Are you making the most of tax allowances? Are your plans on track? Are you taking too much or too little risk? Now’s the time to review, refine and ensure your money is positioned for long-term security.

You’re thinking seriously about retirement

Retirement is starting to feel real. You might be wondering when you can step back, what kind of lifestyle you’ll be able to afford, or how best to structure your income later on. You may also be thinking about how to support your family or pass on wealth in a way that’s thoughtful and tax-efficient.

FORWARD THINKING, FUTURE READY

Now’s the time to make it count.

You’re reaching your peak earning years

You’re building wealth and reviewing your financial position

You’re thinking seriously about retirement

You’re reaching your peak earning years

You’re building wealth and reviewing your financial position

You’re thinking seriously about retirement

SUPPORT THAT BUILDS ON YOUR SUCCESS

Guidance for now and what’s next.

Expert advice can help you maximise opportunities and plan with clarity. Here’s how we can support you:

We can help you balance short-term goals with long-term growth. From saving for a property or looking to begin investing for your future, our team can guide you in making choices that align with your values and ambitions.

Whether you have multiple pension pots, are self-employed, or are unsure what your retirement could look like, we’ll help you create a plan that brings clarity. From contribution strategies to retirement income planning, we’ll guide you through your options.

You’re building something valuable – and it’s worth protecting. From income protection to life cover, we’ll help you understand what’s appropriate for your situation and what gives you peace of mind.

If you’re interested in growing your money in a way that reflects your ethics and outlook, responsible investing may be a good fit. We’ll help you explore sustainable options that don’t compromise on performance.

Tax planning can help you make the most of available allowances, avoid unnecessary tax bills and begin to understand how your decisions today could increase your future finances.

As asset values grow and legislation evolves, careful planning around Inheritance Tax (IHT) is essential. We work with you to minimise unnecessary tax, make full use of available reliefs, and structure trusts thoughtfully – helping you pass on your wealth efficiently and in line with your wishes.

Planning for care needs, whether for yourself or a loved one, can feel overwhelming. We provide clear, compassionate advice on funding options, care fee planning, and protecting your estate, so you can make confident decisions with dignity and foresight.

GETTING STARTED

Making the first step.

Step 1

Get in touch for a free consultation with one of our advisers. No commitments at this stage.

Step 2

We’ll share some initial thoughts and suggestions. You decide if you’d like to go ahead.

Step 3

Become a client and receive tailored, ongoing financial advice that grows with you.

“When I was approaching retirement, I sought advice from F&J – and they helped me tidy up several different occupational pension accounts into a new SIPP. […] So far, they’ve seen me through several very rough patches in the economy, and I’ve found them to be transparent, responsive and professional.”

Kyle Pachinko

Case study

Guided by Andrew Ball, Chartered Financial Planner

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Turning success into security.

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Approaching retirement: 45 to 65

A time of focus and opportunity.

FORWARD THINKING, FUTURE READY

Now’s the time to make it count.

You’re reaching your peak earning years

You’re building wealth and reviewing your financial position

You’re thinking seriously about retirement

FORWARD THINKING, FUTURE READY

Now’s the time to make it count.

You’re reaching your peak earning years

You’re building wealth and reviewing your financial position

You’re thinking seriously about retirement

You’re reaching your peak earning years

You’re building wealth and reviewing your financial position

You’re thinking seriously about retirement

SUPPORT THAT BUILDS ON YOUR SUCCESS

Guidance for now and what’s next.

GETTING STARTED

Making the first step.

Step 1

Step 2

Step 3

Kyle Pachinko

Guidance for whenever you need it

Tools & publications

KNOWLEDGE THAT EMPOWERS YOU

Turning success into security.

READY TO TALK?

Get in touch.

Have a Question?

Get in touch.