Stage 3: Freedom from Work

This is the period during which you may well be considering working less hours and spending more time on the things you enjoy. When we talk to clients at this stage in life they often have concerns about the impact on their income and whether they have enough capital and pension funding to maintain their lifestyle through retirement.

It's a time of life when you've probably paid off your mortgage. Any children you've had are likely to have left home, and you probably have fewer financial commitments to worry about. Financial priorities now, are to maximise your pension funds and protect them.