Guided retirement is making headlines. Pecunia already helps you plan for life after work.

When can I retire? How much can I spend? Will my money last?

These questions sit at the heart of retirement planning. They are also questions we already help people explore at Pecunia Financial Planning.

A recent MoneyWeek article examines the government’s proposals for “guided retirement”, designed to help people turn their pension savings into an income. The proposals recognise a familiar problem. After decades of saving, many people reach retirement feeling uncertain about what to do next.

The government is consulting on how pension providers should offer default retirement income options. These would be designed for groups of savers with similar needs, while preserving people’s ability to choose another route. The detailed arrangements are still being developed.

At Pecunia, we welcome the recognition that people need more support. Since launching in 2024, we have provided retirement guidance and education that helps clients understand their finances, explore their choices and plan ahead.

Our work extends across the household’s finances and the life they want to lead.

Bringing your financial life together

Your pension is one part of your retirement picture. You may also have ISAs, cash savings, rental income, a business, borrowing or a partner whose income and retirement plans need to be considered.

We bring these elements together so you can see how they interact.

Using CashCalc cashflow modelling, we explore how your assets, income and spending might develop over time. We can compare different retirement dates, changing expenditure and the financial consequences of helping children or grandchildren.

We also explore less comfortable possibilities, including higher inflation, weaker investment returns or the loss of a partner’s income. Projections depend on assumptions and need reviewing as circumstances change, but they provide a practical basis for informed decisions.

Understanding the choices and their consequences

Retirement involves balancing competing priorities. You may want dependable income, flexibility for unexpected expenses and the opportunity to leave something to your family.

Pecunia helps you understand the principles behind retirement income options, the effect of charges and the questions to ask your pension providers.

We also help clients identify gaps in their wider planning. These might include checking State Pension forecasts, reviewing household spending, understanding survivor benefits or discussing whether wills, lasting powers of attorney and pension nominations need attention.

Where specialist legal, tax or regulated financial advice is required, we help you recognise that need and prepare for the conversation.

Personal guidance, transparent fees

Pecunia provides non-regulated financial planning and education, with clearly agreed fees and no commission or product sales. We do not recommend specific pensions or investments.

Our service is distinct from the proposed provider-led default pension arrangements. What we already offer is the personal planning support behind many retirement concerns, with the time to understand your circumstances and explain your options in plain English.

Drawing on more than 35 years of financial services experience, we help people approaching or already in retirement gain a clearer understanding of what their money could enable them to do.

If you would like to explore your retirement plans, book a free initial 30-minute conversation with Pecunia Financial Planning.

Call 07821 524 942 or visit pecuniafp.com.