Thrive in retirement with Finura

Focus on living your retirement, not fearing it

Retirement is more than just a date on the calendar - it’s your new chapter to enjoy life on your terms. Let Finura help you create a retirement plan that’s as flexible and forward-thinking as you are.

Retirement should mean relaxation - not anxiety about your savings running dry. Many people come to us worried they’ve started saving too late or that their pension pot might not be enough. It’s natural to feel uncertain about how much you can spend, save, or gift.

At Finura, we help you understand what’s possible. We’ll show you your maximum sustainable income - so you can enjoy the years ahead with clarity, control, and peace of mind.

The end of a chapter. The start of a new journey.

Our approach to retirement is simple: it’s a new beginning, not the end of the road. We’re here to help you thrive, removing the emotional stress and building a plan that gives you lasting confidence and security – so you can fully enjoy what comes next.

Here’s how we support your journey:

Retirement strategies tailored to your needs
Visual lifestyle and cashflow modelling to maximise sustainable income
Expert advice on gifting and inheritance tax planning
Practical and emotional support as you transition from earning to drawing income

Retire with confidence and freedom

Today’s pension rules give you more control than ever, but with that freedom comes added complexity. We guide you through your options and help craft a retirement income strategy tailored to your lifestyle, goals, and risk appetite – not a generic solution from a plan provider.

We can help you:

Decide whether to take a lump sum or regular income
Manage portfolio risk when you stop earning or investing
Know when and how to take tax-free cash
Coordinate your pension with your other assets for a secure retirement
Minimise your lifetime tax bill

Will your money last?

The most common retirement worry we hear? Will I run out of money?

It’s a valid concern. A 65-year-old man today has an 11% chance of living to 100, women 15%, and couples face nearly a one-in-four chance that one partner will reach 100¹. Most people underestimate their longevity – putting their financial security at risk.

We use our experience of how retirement spending flexes over time, of care fee costs and more to create an income that is secure and sustainable.

Managing retirement risks

With a resilient structure in place, you can focus on enjoying retirement - while we handle the strategy. We plan for the three most common retirement challenges:

Inflation risk

Costs have risen 179.8% over 30 years, requiring 3.4% annual growth just to break even. We balance security with growth to outpace inflation.

Sequence risk

Early withdrawals and unlucky timing can lock in losses from volatile investments. We help you avoid this timing trap through diversification.

Longevity risk

Making sure your money outlasts you, however long you live.

Ready to retire on your terms?

Whether you’re approaching retirement or already there, Finura can help you build a flexible, secure plan that lets you thrive for decades to come.

Book a free discovery call

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Retirement FAQs

When’s the best time to start planning for retirement?

It’s never too early - or too late - to begin planning for retirement. The earlier you start, the more options and flexibility you’ll have, but even if retirement is just around the corner, we can still help you optimise your strategy. Proactive planning always improves your options and brings peace of mind.

I’m already maximising my pension contributions – what else should I consider?

Maximising your pension is a fantastic start. Beyond pensions, there are other tax-efficient investment wrappers to explore, such as ISAs, General Investment Accounts (GIAs), and investment bonds. Broadening your investments helps create a diversified, tax-effective portfolio tailored to your retirement ambitions.

Do I need a different investment strategy once I retire?

Yes - retirement usually requires a shift in investment approach. For example, a ‘bucketing’ strategy can help by allocating different portions of your portfolio to match short-term, medium-term, and long-term needs, each with an appropriate risk level. This way, your immediate income is secure, while other assets can continue to grow for future needs.

Should I consolidate multiple pension pots?

It depends on your unique situation. Many people have several pensions from different jobs, which can make management tricky. We’ll review your plans, charges, and options to determine if consolidation will simplify things, cut costs, and help you better achieve your retirement goals. In some cases, we may recommend simply fine-tuning your existing plans for greater efficiency.

Are pensions now subject to inheritance tax, and what should I do?

Pensions can fall within inheritance tax rules in certain situations, so proactive planning is essential. You may want to review your beneficiary nominations, consider the use of trusts, and structure your withdrawals through flexible drawdown. It’s also important to plan for your whole estate. By acting early, you can protect more of your wealth for your loved ones.

Can Finura help me calculate my annual, carry forward, and lifetime pension allowances?

Yes, we can. The standard annual pension allowance is £60,000 per year, though it may be lower for high earners or if you’ve started pension withdrawals. If you haven’t used your full allowance in previous years, “carry forward” rules may let you put in more, subject to earnings limits. While the lifetime allowance charge was removed in April 2023, checks on certain withdrawals or lump sums still apply. We’ll review the rules with you, calculate your allowances, and guide you in making the most tax-efficient contributions.

What’s the difference between a pension, SIPP, and SSAS?

A “pension” is a general term for retirement savings—with workplace and personal pensions being most common. A SIPP (Self-Invested Personal Pension) is a personal pension that gives you more control and a wider choice of investments, including shares and property. A SSAS (Small Self-Administered Scheme) is usually set up for a small business or family, offering lots of flexibility and some business-specific options, but with more complexity and administrative requirements. We can help you determine which is best for your goals and situation.

What are the pros and cons of private and workplace pensions?

Workplace pensions are set up by your employer and usually come with employer contributions and easy payroll deductions - making saving automatic and sometimes cheaper due to group arrangements. The main drawback is that your choice of funds might be limited. Private pensions, such as personal pensions and SIPPs, are set up by you. They offer more flexibility and investment options but do not benefit from employer contributions. There may also be higher charges or administration involved. Often, a mix of both gives the best of both worlds. We can help you review your options and build a retirement savings plan that’s tailored to you.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. For guidance, seek professional advice. A pension is a long-term investment not normally accessible until 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 guide to future performance and may not be repeated. The value of investments and the income from them may go down as well as up and investors may not get back the amount originally invested.