Retirement Planning & Pensions
Plan a retirement that reflects your life — not just your pension pots
If you’re unsure how much you’ll need to retire, have multiple pension pots, or want your business to provide income long after you step back — a clear, structured retirement plan brings clarity, control and peace of mind.
How We Help People Who Require Retirement Planning Advice
Whether your dream is to travel the world, pick up that hobby you never had time for, or simply enjoy more moments with family, a well-thought-out retirement plan is essential. At Lucent, we believe retirement planning is more than just numbers on a page. It’s about securing your future, ensuring your income needs are met, and supporting the lifestyle you’ve always envisioned.
Our retirement and pension advice are both part of a comprehensive financial strategy designed to help you retire in style.
Why Many People Approaching Retirement Feel Uncertain
- You don’t know if your savings are enough — but you still want to live the way you currently do.
- Pension pots are scattered; you’re unsure which to keep, consolidate, or how to access them.
- You worry about taxes eroding your retirement income.
- If you own a business — you don’t know how to translate business value into retirement security.
- Retirement feels far off, or dangerously vague: “When is enough, enough?”
Without a plan, retirement can feel like a guessing game.
Note: A pension is a long-term investment not normally accessible until 55 (57 from April 2028). The value of your investments (and any income from them) can go down as well as up, which would have an impact on the level of pension benefits available.
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Holistic Retirement Planning That Connects Everything — Income, Savings, Business, Lifestyle
With Lucent, retirement planning isn’t just about pensions — it’s about turning everything you’ve built into a retirement that works.
- Pension pots, pensions, employer schemes and personal pensions
- Income and cashflow needs throughout retirement
- Tax planning and efficient withdrawal strategies
- Investments, savings and other assets
- Business-owner exit planning, cash extraction and succession planning (for business owners)
- Estate, legacy and inheritance considerations — so wealth lasts beyond you
- What you need to live the life you want
- Whether your assets are enough — and where shortfalls may lie
- How to act now to close those gaps
What a Solid Retirement Plan Looks & Feels Like
At Lucent, we don’t treat retirement planning as a standalone service—it’s a key piece of the entire financial puzzle. We integrate retirement and pension strategies into your financial plan to ensure you have a secure path to financial independence.
When working with Lucent, many clients experience:
- Confidence about when and how they can retire
- A clear picture of post-retirement income — without nasty surprises
- Tax-efficient withdrawals that don’t erode their savings
- Consolidated pensions, easier to manage and monitor
Business owners, tell us they get:
- Clarity on exit timing, business value, and how that converts to retirement income
- Peace of mind knowing their legacy is protected, and family provided for
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Our Straightforward, Five-Step Approach to Retirement Planning
1. Explore
We begin by talking to you — about your life, goals, fears, income, savings, retirement hopes.
2. Collate & Model
We gather all your financial data (pensions, savings, business value if relevant) and build a cashflow model that shows multiple scenarios: best case, realistic, cautious.
3. Build Your Plan
We craft a clear, written retirement plan showing: what you need, what you have, what’s missing, and how to close the gap.
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4. Implement Wisely
We help with pension consolidation, tax-efficient withdrawal planning, investment adjustments, business exit structuring — whatever is needed to set up your future.
5. Review & Adjust
Life changes, and so should your plan. We review regularly to ensure you stay on track — whatever happens.
Which Retirement Journeys This Page Serves
If you’re nearing retirement or just starting to think about it, you might be feeling a little lost in the maze of pensions and income planning. Maybe you’re unsure how much you’ll need to maintain your current lifestyle, or perhaps you’ve got multiple pension pots scattered around and aren’t sure how to make them work for you.
It’s not just individuals who face challenges—business owners often find themselves stuck between planning for their own exit and making sure their business provides a steady retirement income. These aren’t small concerns, but with the right guidance, they’re totally solvable.
- You want a retirement that lets you enjoy the next chapter: travel, hobbies, family time, peace.
- You want clarity about what a comfortable retirement really costs — and how to get there without guesswork.
You’ve built something big — but is it set up to support your lifestyle after work? We’ll help you transition wealth from business to personal retirement, structure withdrawals sensibly, and align business value with future lifestyle.
Why Clients Trust Lucent With Their Retirement
- Chartered and independent advisers — no product-pushing, only aligned advice
- Holistic planning — retirement isn’t a standalone decision, it connects to tax, investments, business, estate
- Clear modelling, not guesses — you see your future, not hope for it
- Jargon-free, human communication — you understand your plan, we speak plainly
- Flexible, ongoing support — plans adapt as life and circumstances change
We don’t sell pensions. We build clarity.
How Well Do You Understand Your Retirement Plans and Investments?
Are you truly on track for the retirement you want?
In just two minutes, this quick and confidential assessment helps you reflect on your financial readiness and clarity around pensions, investments and long-term goals. Once complete, we can use your responses to personalise advice around your goals and needs.
Gauge your confidence — and uncover what’s missing.
- Free
- Takes 2 minutes
- Get your score instantly
- Secure and confidential
"They Removed the Unknown & Gave Us Confidence"
Hear Dave and Mel's story as to why they chose Lucent to help consolidate their pensions and plan for their retirement after successful careers as company directors.
Ready to plan the retirement of your dreams?
Don’t leave your retirement to chance. With Lucent’s expert guidance, we’ll help you create a retirement plan that works for you—whether you’re just starting out or nearing the finish line.
- Are you planning for a retirement lifestyle that meets your aspirations and financial needs?
- Do you need help structuring your pension and other assets to provide income in retirement?
- Are you concerned about ensuring your wealth lasts throughout your retirement years?
- Would you like advice on transitioning from working income to investment and pension income?
If you answer yes to the above, get in touch.
FAQs
Effective retirement planning is crucial for achieving the lifestyle you’ve spent decades working for. But without proper planning, your savings may fall short, leaving you financially vulnerable and potentially jeopardising your desired retirement. Taking proactive steps now ensures financial security and a comfortable future.
It’s never too early! The sooner you start, the more time your pensions and investments have to grow.
Retirement planning is part of your overall financial strategy, making sure investments, tax planning, and inheritance strategies are aligned to support you during retirement.
If you're married and leaving your home to you children, then estates in excess of £1million could do with additional planning. If single, then anything over £325,000 could suffer inheritance tax.
When it comes to planning your retirement, a financial planner helps estimate your future income needs, set savings goals, and choose suitable pensions. They can help maximise contributions, leverage employer pensions, and optimise income from other investments. They also monitor your retirement plan to keep it aligned with your goals and adapt to changes.
Pension provision has evolved significantly over the last few decades, potentially leaving you with outdated and costly pension plans. Our financial planning experts can highlight the benefits of transferring your pensions into newer, more flexible, and cost-effective arrangements, allowing your retirement funds to achieve greater growth and efficiency.
Absolutely. We’ll help you consolidate and optimise your pensions to ensure they’re all working together for your retirement goals.
Planning for retirement is a one-time opportunity for most of us, and it’s neither simple nor easy. An independent financial planner specialising in pensions can provide invaluable assistance in several ways.
If you don't give us all the information, you’ll get a plan with holes in it. We need that information understand the extent of the problem, when we know that, we can plan effectively.
Approximate guesses are fine. Numbers change daily anyway, so a rough idea is fine.
They may have differing opinions to yours and so it is vital you are both aware of them and joined up on this matter.
It depends on what has been put in place! The time we have left is reducing every day, so chop chop!
Preferably, but we are also available on video call
Still have questions?
If you've got a question we haven't answered, we'd love to hear from you.