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M&C Financial Planning
Retirement planning

Retirement planning built around the life you want.

Understand when you may be able to retire, how your income could be structured and what steps can help you move forward.

An active retired couple walking through the British countryside
Overview

What does a confident retirement look like?

A confident retirement isn't defined by a number — it's defined by clarity. Clarity about the life you want, what it may cost and how your income will support it.

We help you translate hopes into a plan you can act on: when you could retire, how much you may need and how your pensions, investments and other assets can work together.

How we help

How M&C can help

01

Retirement income planning

Structure income from pensions, investments and other sources to last.

02

Pension reviews

Understand what your existing pensions can provide, and where gaps may sit.

03

Cash-flow forecasting

See how your finances may evolve over time under different scenarios.

04

Tax-aware planning

Consider how tax may impact your income and long-term plans.

05

Investment planning

Align investment strategy with the income you'll draw.

06

Ongoing reviews

Adapt your plan as your life, health and priorities evolve.

Our approach

A clear, considered process

Every recommendation begins with your circumstances and works back from what matters most.

  1. 01Understand your retirement picture
  2. 02Review pensions and assets
  3. 03Discuss income needs and timing
  4. 04Model scenarios together
  5. 05Present clear recommendations
  6. 06Review as life evolves
Retirement priorities

What matters most to you in retirement?

Select a priority to see how planning may help — this is educational, not a personal recommendation.

Retire earlier

We'll help you understand what retiring earlier could look like — the income you'd need, what your existing arrangements could provide and any gaps to address.

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Retirement timeline

Wherever you are on the journey

01

More than 10 years away

Focus on building, contributing and understanding the shape of the retirement you want.

02

Five to ten years away

Refine the plan, assess whether you're on track and consider how you'll draw income.

03

Approaching retirement

Structure income, consolidate where appropriate and prepare for the transition.

04

Already retired

Manage income sustainably, review regularly and adapt as circumstances change.

FAQ

Common questions

Ask us directly
The answer depends on your lifestyle, existing assets and expected income. We build a picture that shows what's possible now and what would help bring it closer.
It varies. Cash-flow planning helps translate the lifestyle you want into a realistic income target.
Different assets can be used in different ways — including for income, growth or flexibility. We help you decide the balance that fits your goals.
Life in retirement doesn't stay static. We plan for phases — active years, quieter years and any care needs that may arise.
Legacy planning is considered alongside your income needs, so you can provide for the future without compromising the present.

Important information

The information on this page is intended to be educational. It is not a personal recommendation and does not constitute tax advice. Tax treatment depends on individual circumstances and may change in future.

The value of pensions and investments can fall as well as rise and you may get back less than you put in.

Start the conversation

Your financial future starts with a conversation.

Speak with an adviser about your pensions, retirement plans or investment goals.

Book an Initial Conversation Call 020 3890 5800