Life's Stages: Pre-Retirement

Life stages approaching retirement

Once you reach the stage where you're considering your retirement income, expert financial advice becomes even more important. Many of the choices you make at this time will affect your lifestyle so you need to make sure they're right.

It pays to be prepared as your retirement approaches, everybody's financial situations are different but the main considerations for most people when they think about retiring, will come down to:

  • If they're renting, paying a mortgage or mortgage free
  • If they have any debt
  • If they plan to keep working, have they considered phased retirement?
  • How much money they have saved into their pension pot and other investments
  • How much state pension they'll be entitled to

Retirement is going to be one of the most important decisions you are likely to make, when you stop work, whether you are going to phase your retirement and work part time and will you have enough to do what you want?

There are many decisions that can be made and options available that will make a huge difference to your finances in retirement. This might mean delaying retirement a year or two or changing your investments.

There are many decisions to make when approaching retirement, let us help, give us a call

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.

Mortgage Pensions and Investments Limited Liability Partnership is authorised and regulated by the Financial Conduct Authority (
Financial Services Register No: 454273

Mortgage Pensions and Investments LLP
Registered Address:
88 East Hill, St Austell, Cornwall, PL25 4TR
Registered in England and Wales, No. OC319405

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK
Decisions should not be taken based solely on the content of the website and individual advice should be sought first.
Regulations, levels and bases of taxation are subject to change.