An honest picture of your
retirement income.
A high-level projection of when you might be able to retire, what sustainable income you could draw, and what would change the picture. It's the start of a conversation — not a replacement for one.
What you'll receive
A structured report of approximately ten pages, delivered in your browser within minutes, covering:
- — Whether your numbers suggest you can retire at your target age
- — Sustainable annual income, in today's money
- — Projection chart showing your wealth over time
- — A stress test: what happens if markets disappoint
- — The assumptions behind every number, stated plainly
- — Observations and the questions worth discussing further
Light onboarding — name, age, target retirement age. Two minutes.
Approximate current values of your pensions, ISAs, and other investments.
Your current annual contributions — pension, ISA, other.
What you'd like to spend, roughly, in today's money.
How you'd like the money managed between now and then.
A structured report appears in your browser. Yours to keep.
A little about you
We hold this information confidentially. We use it only to prepare your review.
Your pensions and savings
Round, approximate numbers. The output is indicative — precise figures aren't necessary at this stage.
If you have a defined benefit (final salary, career-average) pension, enter the expected annual income below — not its transfer value. We cannot advise on transferring a DB pension to a SIPP, and we don't model that scenario.
Defined contribution pots
SIPPs, personal pensions, and workplace defined contribution schemes.
Investments and savings
Held outside pensions.
Pre-set income sources
Income that will arrive automatically in retirement — pensions you don't draw from, state pension, property income.
What you currently save
Your annual contributions between now and retirement. These compound meaningfully — small differences here matter over time.
Your retirement lifestyle
What you'd like to spend each year in retirement. Today's money — we handle the inflation adjustment.
— Comfortable (PLSA 2024): ~£43k/year for a single, ~£59k for a couple
— A higher-income lifestyle with travel, dining, hobbies: £60k–£90k
— Maintaining a substantial standard of living: £100k+
How you'd like the money managed
Choose the description that best reflects how you'd want your wealth managed between now and retirement, and during it. We use this to apply a sensible long-term return assumption.
Each risk preference maps to a different long-term real return assumption (return after inflation but before our fees). Cautious portfolios produce lower expected returns but smaller falls in bad years. Growth-oriented portfolios produce higher expected returns over the long run but larger short-term falls. We use the central long-term expectation for the projection and a downside scenario for the stress test.
People often think of one risk preference for "their wealth" — but in practice many investors gradually reduce risk as they approach and enter retirement. We'd typically discuss this in conversation. For this projection, choose the level that best reflects how you'd want it managed on average across the period.
This question needs a specialist.
Based on what you've described, your situation likely concerns a defined benefit pension transfer, a workplace pension opt-out, or another specialist pension question. These are areas requiring permissions we don't hold.
We'd recommend speaking with a pension transfer specialist. Once that decision is made, we'd be very happy to discuss how your overall wealth could be managed.