Do Guyton-Klinger guardrails allow us to take 7% from our portfolio from the first decade of retirement? Does a cash buffer help?

There are many retirement planning concepts that claim to offer beneficial retirement outcomes. This post aggregates our research

Sequence of Returns Risk is seen by some as a tiger waiting to pounce at the first sign of market volatility. Do they have valid concerns?

Guyton-Klinger guardrails aim to improve upon Bill Bengen's research. Should retirees use this framework? What are the downsides?

The One-Page Financial Plan is a high-level summary of the underlying financial plan. Read how we tweaked the process to increase engagement

Annuity rates have improved in recent times. Can they now help to create a more sustainable retirement income?

The S&P 500 has generated strong returns in recent years. But should you invest all of your retirement savings in this index?

Cash buffers are often suggested as a way of mitigating Sequence of Returns Risk. Do they work, or are they more of a chocolate teapot?

Retirement researcher Bill Bengen found the optimal retirement portfolio to contain 50-75% equities. Would 100% equties be a better option?

How much does a retiree need to save for a moderate retirement? And why a larger retirement pot doesn't always provide the best outcomes.

A comfortable retirement for a couple is believed to now cost around £59,000 a year. What size retirement pot do you need to fund this?

Our retirement planning offering can often be more cost-effective than managing retirement on a D.I.Y. basis. We look at a recent example.

Investing is simple but not easy. We identify ten things to consider that will help you have a better retirement outcome in 2024.

Choosing the right financial adviser to help with your retirement planning is one of the most important decisions you will make.

We help you calculate what you are paying for your retirement planning and financial advice and whether you are getting good value.

Potential clients often come to us with questions about their pensions and investments. Retirement planning covers many other areas.

We don't offer one-off financial planning and advice, believing the value of financial planning is maximised with an ongoing relationship.

We've looked at Bengen and the Guyton-Klinger approaches. We now look at risk-based guardrails and how these are implemented.

The markets in 2022 got off to a turbulent start, and many retirees were worried about the sustainability of their retirement portfolios.

The one-page financial plan helps you distil your goals and action points into a concise format, enabling retirees to focus on what matters.