Plan Retirement

We aim to assist you in understanding your financial picture in terms of retirement and to put right the three main problems most people encounter:


  • You may have various pensions and investments which you have acquired over time, but no clear idea what they’re likely to deliver.
  • There may be a lack of real structure to these plans, contributions made with no goals set, no understanding of charges being applied, or even if the investment is performing well or not.
  • Or you could have an idea when you want to retire but no idea if you will be able to afford it.

In short, there is no master plan.


Where we add value is by enabling you to understand what your retirement expenditure requirements will be, rather than just how your earned income will reduce. This will then give us two target figures:


  • Bare minimum income required to survive financially
  • Ideal income required to provide the lifestyle you desire

If you have existing plans in place, we’ll carry out comprehensive analysis to see how they match up to objectives, and we’ll present the results in way that enables you to see whether there could be a shortfall.

Our methodical approach means we can address your hopes, fears and aspirations regarding retirement and ultimately provide a much clearer picture of what retirement will be like. It also makes it easier to answer short-term financial questions.

As with any investment, it is important to create and maintain a well-balanced and diversified portfolio as opposed to just chasing the performance of an attractive fund or sector, and this process of analysis should be repeated periodically.

Please note: The value of investments and income from them may go down. You may not get back the original amount invested. A pension is a long-term investment. The fund value may fluctuate and can go down.

LV State of Retirement

Peter Chadborn being interviewed by the BBC about retirement planning in association with LV’s State of Retirement Report

Peter Chadborn being interviewed by the BBC about retirement planning in association with LV’s State of Retirement Report
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Aegon’s retirement report

Peter Chadborn talks to the BBC about retirement planning in association with AEGON's Retirement Report

Peter Chadborn talks to the BBC about retirement planning in association with AEGON's Retirement Report.
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