One of the biggest questions we are asked is: “When can I actually retire?”

The truth is, it’s rarely just about how much money you’ve saved. It’s about whether your plan works — both financially 💷 and emotionally ❤️.

In my latest video, I share the 5 essential steps that I walk my clients through when they want to know if they’re ready to retire with confidence.

👉 🎥 Watch the full video here on YouTube:
Can You Retire Now? 5 Steps to Know for Sure

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The 5 Steps we use with our clients

1. Calculating your real retirement income needs

This isn’t about guesswork. It’s about understanding exactly what you’ll spend to live the lifestyle you want — from the basics to the things that make life enjoyable.

2. Reviewing every pension & investment you’ve built up

We often find people have “forgotten” pensions or old investments. Understanding how these all work together and what they can provide can make a huge difference.

3. Stress-testing your plan against inflation & surprises

Life isn’t always predictable. We make sure your plan can withstand bumps in the road — whether that’s inflation or unexpected costs.

4. Creating a tax-efficient income strategy

Retirement isn’t just about how much you’ve saved — it’s about how smartly you take it. The right tax planning can make your money last longer.

5. Understanding the perfect timing

This is the step most people miss. Retire too early and you risk running short. Retire too late and you risk missing out on years of freedom. Getting this right could save you thousands.

🎥 👉 I explain each of these in detail in the video: Watch here on YouTube