Retirement Planning
Helping you plan for the retirement you want, with clear guidance on how to reach it and confidence in how your future could look.
A clear path towards the retirement you always pictured.
Retirement is one of the most significant financial transitions you will make. Whether you want to slow down, stop working entirely, or simply create more choice in how you spend your time, the right planning can help you approach this stage with clarity and confidence.
I will help you understand what your retirement could look like, what income you may need, and the steps required to put a reliable plan in place.
What retirement planning helps you achieve
Effective retirement planning gives you:
- a clear picture of when you can afford to retire
- confidence that your income will support the lifestyle you want
- clarity on how your pensions, savings and investments work together
- support in planning for life’s uncertainties
- peace of mind knowing you have a long-term strategy guided by a Chartered Financial Planner
Retirement is not just about stopping work. It is about creating a future that feels secure, enjoyable and well-prepared.
My approach to retirement planning
1. Understanding your goals for later life
We begin by exploring what you want your retirement to look like. This may include travel, family support, reduced working hours or simply more time for the things that matter to you. Your goals shape your plan.
2. Assessing your retirement position
I assess your pensions, investments, savings and other income sources. Using retirement modelling, I help you understand the level of income you may receive and any adjustments needed to reach your desired retirement age.
3. Creating a retirement strategy
I explain your options clearly and show how different decisions may affect your long-term income. This includes pension contributions, withdrawal strategies, investment structure, tax considerations and planning for periods of market fluctuation.
4. Keeping your retirement plan on track
Life evolves, and so will your retirement plan. I stay in touch to review progress, update projections, and adjust your plan if your circumstances or goals change.
How retirement planning differs from other services
Retirement planning focuses specifically on your timeline, income needs and lifestyle goals in later life.
It sits above technical elements such as:
- Wealth Management, which focuses on how your investments are managed
- Tax Planning, which ensures retirement income is structured efficiently
- Estate Planning, which considers how your wealth is passed on
- Protection Planning, which safeguards your financial position
Retirement Planning brings these areas together to help you understand when you can retire and how your income will support you.
Shaun Hart FPFS, AIFP, CFPCM, Certs CII (MP & ER)
- 01273 486 220
- 07876 386 577
Shaun Hart is a Fellow of the Personal Financial Society and a holder of both the Chartered Financial Planner and Certified Financial Planner (CFPCM) qualifications.
A pension is a long-term investment not normally accessible until age 55 (57 from April 2028). The fund value may fluctuate and can go down, which would have an impact on the level of pension benefits available. Past performance is not a reliable indicator of future performance.
The tax implications of pension withdrawals will be based on your individual circumstances. Thresholds, percentage rates, and tax legislation may change in subsequent Finance Acts.
The Financial Conduct Authority does not regulate estate planning, tax planning or cash flow modelling.
Our Core Principles
The principles that guide every client relationship and every piece of advice I give.
Stewardship
I act with care and responsibility in every decision, protecting your interests as if they were my own.
Optimism
I approach every challenge with a positive mindset and belief in what’s possible for your future.
Excellence
Precision
I focus on clarity, accuracy, and attention to detail in every aspect of your financial plan.
Outperform
I aim not just to meet expectations, but to continually raise them, for myself and my clients.