Blog - Helpful stuff about retirement

We take a look at different types of retirees and what may be right for each

Which type of drawdown retiree are you?

23 January 202528 June 2025Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

We believe there are three different types of retiree that go into long term drawdown. Getting the best possible outcome from long term drawdown is very hard. The key difference between each type is their

We take a look at the best route to adding a partners income into an overall couples plan as simply as possible.

How we are approaching couples planning?

18 November 202428 June 2025Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

Being able to plan as a couple is our most requested feature. We are building this now and it will be ready in July subject to ongoing discussions with the FCA as we need to

We take a look at investment issues when taking your money and how a solution integrated with our plans may help.

Investment on the route down, what can go wrong!

7 October 202428 June 2025Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

We have said in previous blogs that investment risk when drawing down your money is a lot different than when building money up. Let's explain why and consider what you may be able to do

Our new upcoming product innovations and couples modelling to help improve more retirement outcomes

Guided routes down and couples planning

28 August 202426 June 2025Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

Before the snow starts later this year, we are finally launching a fully Guiide plan linked pension product with a provider and investment manager. We are also adding partners income and savings for couples to

Should I get some advice at or before retirement?

Do I need retirement advice?

12 July 202418 July 2024Pension Freedomspension advice, pension calculator, pension coaching, pension freedoms, pension guidance, pension pots, state pension

Sometimes you simply must get advice, such as if you want to transfer from a final salary pension scheme, but at other times it's a choice. So, should I get some? Advice is most relevant

Avoiding the pitfalls if taking a pension pot in one lump sum

I want my whole pension pot as cash!

9 May 202410 May 2024Pension FreedomsCash lump sum, pension calculator, Pension cash, pension freedoms, pension guidance, pension pots

The latest retirement data from the Financial Conduct Authority (FCA) is out. This shows almost 60% of pension pots are taken in one go as a cash lump sum. In sectors where many people work

Can home equity really be used for a retirement income in practice?

My home is my pension – but is it really?

26 January 202421 August 2024Pension Freedomsequity release, pension advice, pension calculator, pension freedoms, pension guidance, pension pots

Lots of us may have heard people say "My home is my pension". That's because for many people approaching retirement it's their largest asset. That's great, but there are a number of practical issues to

Advice, Guidance, Coaching…..what’s the difference and which suits you best?

Advice, Guidance or Coaching?

23 January 202426 February 2024Pension Freedomspension advice, pension calculator, pension coaching, pension freedoms, pension guidance, pension pots, state pension

Making the right choices about your pensions, especially when you retire is really hard for anyone to do on their own. Thankfully, there are a number of ways you can get help! But, what will

The total income you want in retirement can come in all shapes and sizes, so we have updated to allow for this

New, more flexible, income choices

16 November 20235 February 2024Pension Freedomsliving costs, pension calculator, pension freedoms, pension pots, state pension

We now provide more flexibility around the shape of income you want in retirement. What you want in retirement will differ from person to person and can come in all shapes and sizes. You have

You told us you would prefer smoother income in the early years of retirement, here’s how we can help.

Smoothing out early years retirement income

24 July 202324 July 2023Pension Freedomsdrawdown, investments, pension calculator, pension freedoms, pension pots

Retirement may last between up to 30 years for many people. No one knows how long it will be, which is a big risk in itself and a whole different topic. But for now, let’s