Retirement planning and advice
Our advisers can help you use the right blend of secure and flexible income to fund your retirement and leave a legacy for your loved ones.
Planning doesn’t stop when retirement starts
Without expert advice in retirement, it can be difficult to know how much you can spend and when. Recent inflation rates are also a source of worry as inflation erodes the value of your money. Few people like the thought of being forced to return to work!
Our advisers can review your various sources of income and assets to identify the combinations that deliver maximum benefit and tax-efficiency. When combined with effective later life planning and estate planning, this will give you confidence to enjoy your wealth. You may even be able to give some money away, safe in the knowledge that it won’t run out.
We can also review your pensions to check that they’re performing as they should. And we’ll check the risk levels of your investments to make sure they’re right for you.
Still wondering what to consider when starting to plan for your retirement?
Read our useful guide on what to consider when planning for retirement.
Are you retirement ready? Take this 2 minute quiz to find out.
Identify income sources
These might come from personal or company pensions, your State Pension, or other investments such as ISAs or property.Plan expenditure
Using cashflow planning tools, we can map out how your income and outgoings are likely to affect your spending, including later life care.Leave a legacy
With effective estate planning, we can help you to pass on wealth without compromising the quality of your retirement years.How Flying Colours can help you plan for your retirement
Your retirement goals are unique, and so is our approach. We’re not tied to any pension providers, so our advice is 100% independent and tailored to your goals.
Our advisers will craft a retirement income strategy that works specifically for you by:
- Taking time to understand your unique circumstances, retirement goals, and current financial situation.
- Creating a personalised plan based on your dream retirement: whether that means maximising your pensions, investing wisely, or structuring your assets to ensure long-term financial stability.
By offering independent retirement advice, we make sure that your decisions are based solely on what’s best for you.
Our expert retirement planning services
Retirement financial planning
We help you build a sustainable financial strategy that paves the way for your desired retirement. Whether through pension drawdown, annuities, investment planning or a combination of these, we can boost your retirement income while minimising tax exposure.
Pension retirement planning
Managing your pensions can be confusing. Therefore, if you have multiple pensions our pension planning service will review your existing pensions and advise you on how to maximise their potential.
Independent retirement advice
As impartial advisers, we provide unbiased advice designed to meet your specific financial needs, free from product incentives and restrictions.
Take control of your retirement with our expert services
The earlier you plan, the more control you have over your financial future.
Ready to start get started? Contact a Flying Colours expert for a free consultation. If you choose to work with us, we’ll listen, advise, and create a bespoke retirement strategy that gives you confidence for a brighter financial future.
Build the financial future you deserve with our expert retirement planning services
Don’t wait. Talk to us today to plan for tomorrow – and help secure the comfortable, fulfilling retirement you’ve worked for.
Book your free initial chat
Ready to start planning for a brighter financial future? Book now for a free, no-obligation chat with one of our independent financial advisers.
book nowReal stories, real financial outcomes
We’re proud to work with clients who value clear, personal financial guidance. In these short videos, they share their experiences of working with Flying Colours, and the difference expert advice has made to their lives.
Prefer to read? You’ll find full transcripts below each video.
What’s the best piece of advice your Flying Colours adviser has ever given you?
What’s the best thing about working with Flying Colours?
What words would you use to describe Flying Colours?
Would you recommend Flying Colours to other people?
Our other services
Pension planning
Investment planning services
Inheritance tax and estate planning services
Protection and insurance services
Tax optimisation services
Later life and long-term care planning
Annuity Bureau
Which? Partnership
Chris has provided peace of mind enabling us to now retire early. He has taken the time to get to know and understand us, helping us to develop and adapt our strategy. We have an open and transparent relationship with him which builds trust. He is personable and tailors solutions to our needs.
I’ve been absolutely delighted with the advice and support I’ve received from Maxine Clarke. She took the time to understand my goals, explained my options clearly, and helped structure my retirement plans. I now feel fully informed, supported, and confident about my financial future.
Luca encouraged me to take a step back and look at the bigger picture – how much risk am I prepared to take, how much income do I really need for my day‑to‑day expenditures, what are my plans for retirement. Luca worked through all the steps of the process at my pace, patiently explaining all the jargon as we progressed.
Chris took the time to understand our goals, provided clear explanations of approaches and a thoughtful, well-structured follow up note. Chris' approachable nature and attention to detail was first class. Following our interactions we now have a much clearer understanding of the relevant aspects to our estate planning.
Liv patiently understood our circumstances and conducted the due diligence required to provide very transparent and exceptionally professional advice. He struck a great balance on long‑term investments, pensions, insurance and retirement. I found Liv very knowledgeable, confident, and personable.
Tom expertly guided me through the complex and time-consuming process associated with consolidating several company pensions. Tom has also provided advice on a number of other financial benefits I was previously unaware of.
Ross gave me a lot of very useful information. He explains everything in a clear and concise way and doesn’t fill your head with jargon you may not understand. He keeps it plain and simple. Ross helped me understand how I could claim back overpaid tax and money I had been paying for a service with a previous pension adviser that shouldn’t have been charged.
From the initial meeting, George was able to understand my concerns and present options for how I could move forward. At no point did I feel any pressure, and I felt from the outset that I wanted to establish a long‑term relationship with George.
Russ guided me through the process of assessing current and future demands on my finances and the selection of appropriate pension investments. Throughout the process Russ has been very patient and explained clearly different options with their risk/benefit profiles. I have found his manner very supportive.
I had several meetings with Freddie to discuss my medium‑ to long‑term goals, my appetite for risk, the kind of retirement I would like and at what age. We then walked through my current finances in detail, and Freddie presented the gap between where I am now and where I would like to be, and proposed some changes that could help me achieve my goals in future.
Liviu has provided us with invaluable help regarding our pensions and how to best plan for our retirement. He has always made time to explain our options and fully answer any concerns we had. He has always gone the extra mile to ensure we were comfortable with the decisions we made and was endlessly patient.