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Retire Earlier
You want financial freedom to retire early or switch to a passion project.
Includes everything in Retire On Time plus extra focus on levers you can pull to retire earlier, exploring What-If.
We challenge the income you need in retirement, addressing common calculation mistakes and maxing tax allowances.
On the upside we coach salary negotiation, then set an aggressive automated plan, while also coaching on motivations to stay consistent!
BASICS IN BOTH RETIRE ON TIME AND RETIRE EARLIER
We deep dive your situation, goals and priorities. Review assets (pensions, savings, ISAs, property), expenditure and income levels you may need in retirement.
We illustrate how you’re tracking today at current savings rate, considering inflation and discussing risk and reward.
Determine corrective actions or opportunities to optimise (particularly tax!), ensuring your portfolio matches your plan, backed by a cashflow model with stress test.
PLUS EXTRA FOCUS WITH RETIRE EARLIER PACKAGE
Work backwards from an earlier target age you have in mind, or project forwards from today to see what you might attain
Cover levers to pull with illustrations of how adjustments can have a large impact, and discuss the power of UK tax allowances which will motivate you to utilise them!
Second cash flow forecast comparing with traditional path
More critical review of anticipated retirement income exploring the ‘retirement smile’ and highlighting common calculation mistakes
GOALS
Draw out your personal and financial goals and priorities
Define required income level with critical review and set target pot range
Set a more aggressive financial freedom age
Forecast of current position and how closely this tracks to both paths via cash flow models
Know Options to hit your stretch goal
Ensure correct utilisation and maxing of tax allowances
Optimised portfolio for your goals
Updated cash flow model produced to reflect adjustments and give reassurance of your plan
PROCESS
Pre-work: Gather information around your existing situation
(1 hour)1:1 Assessment: Discuss your goals, priorities and motivations to retire earlier. Review your current assets, income and expenditure. Assess your attitudes to risk. Critically review your expected income needs in retirement.
(1.5 hours)1:1 Forecast: Set a stretch retirement age and illustrate via cash flow models how current trajectory aligns with both traditional and earlier ages, accounting for inflation. Discuss possible adjustments to your strategy and illustrate their impact via cash flow models, including some aggressive adjustments to hit FIRE. Consider actions to better utilise tax allowances. Optimise your portfolio to align with your new plan!
(1.5 hours)Action: Guided implementation of your chosen actions, habit forming, and accountability check-in! Explore negotiating to increase your income.
Offline guidance as needed, or 1:1 step through sessions.
(1-2 hours)
Book a free call or email today to discuss this package first, or go ahead and purchase now!
You want financial freedom to retire early or switch to a passion project.
Includes everything in Retire On Time plus extra focus on levers you can pull to retire earlier, exploring What-If.
We challenge the income you need in retirement, addressing common calculation mistakes and maxing tax allowances.
On the upside we coach salary negotiation, then set an aggressive automated plan, while also coaching on motivations to stay consistent!
BASICS IN BOTH RETIRE ON TIME AND RETIRE EARLIER
We deep dive your situation, goals and priorities. Review assets (pensions, savings, ISAs, property), expenditure and income levels you may need in retirement.
We illustrate how you’re tracking today at current savings rate, considering inflation and discussing risk and reward.
Determine corrective actions or opportunities to optimise (particularly tax!), ensuring your portfolio matches your plan, backed by a cashflow model with stress test.
PLUS EXTRA FOCUS WITH RETIRE EARLIER PACKAGE
Work backwards from an earlier target age you have in mind, or project forwards from today to see what you might attain
Cover levers to pull with illustrations of how adjustments can have a large impact, and discuss the power of UK tax allowances which will motivate you to utilise them!
Second cash flow forecast comparing with traditional path
More critical review of anticipated retirement income exploring the ‘retirement smile’ and highlighting common calculation mistakes
GOALS
Draw out your personal and financial goals and priorities
Define required income level with critical review and set target pot range
Set a more aggressive financial freedom age
Forecast of current position and how closely this tracks to both paths via cash flow models
Know Options to hit your stretch goal
Ensure correct utilisation and maxing of tax allowances
Optimised portfolio for your goals
Updated cash flow model produced to reflect adjustments and give reassurance of your plan
PROCESS
Pre-work: Gather information around your existing situation
(1 hour)1:1 Assessment: Discuss your goals, priorities and motivations to retire earlier. Review your current assets, income and expenditure. Assess your attitudes to risk. Critically review your expected income needs in retirement.
(1.5 hours)1:1 Forecast: Set a stretch retirement age and illustrate via cash flow models how current trajectory aligns with both traditional and earlier ages, accounting for inflation. Discuss possible adjustments to your strategy and illustrate their impact via cash flow models, including some aggressive adjustments to hit FIRE. Consider actions to better utilise tax allowances. Optimise your portfolio to align with your new plan!
(1.5 hours)Action: Guided implementation of your chosen actions, habit forming, and accountability check-in! Explore negotiating to increase your income.
Offline guidance as needed, or 1:1 step through sessions.
(1-2 hours)
Book a free call or email today to discuss this package first, or go ahead and purchase now!