You had a plan. But is it still realistic?
When you first set up your pension, you probably got an ‘illustration’—a kind of forecast showing how your savings might grow over time.
But here’s the thing: that projection made some big assumptions.
It assumed you’d:
- Keep paying in the same amount, year after year
- Get the same steady returns from your investments
- Retire on a specific date (and stick to it)
- Pay the same charges all the way through
- Be in perfect health when the time comes to take your money
Why ongoing pension reviews matter
A one-time pension setup isn’t enough. Markets shift. Rules change. Your own goals evolve. That’s why we believe in ongoing, real-world checks—so you’re not left guessing.
When we do pension reviews, we help clients answer questions like:
- Are we still on track to retire when we want?
- What lifestyle will our pensions really provide?
- Can we work fewer hours now without risking future security?
- Do we need to adjust how much we’re putting in—or how it’s invested?
Sometimes it’s just a small tweak. Sometimes it’s a bigger reset. But every year you delay that review means less room to course-correct.
Small adjustments now are better than painful fixes later
We often see people 10 years from retirement making big, stressful changes to catch up—raising their risk levels, overpaying last-minute, or postponing retirement entirely.
The better option? A minor, sensible adjustment today that keeps your plan on track.