Plan for the future
“Retirement is when your
life's work begins to bloom”
Retirement is a goal clients work towards for much of their lives — a monumental milestone and a finish line they can't wait to cross. But as that finish line draws closer, what once felt exciting can suddenly feel daunting. Everyone's retirement journey is different. Some are able to stop working immediately, while others prefer to phase into retirement through part-time work. But through years of experience, we've seen the same questions arise time and again — which is why we've built our retirement planning process around three key questions.
Three key questions
01
Have you got enough?
Money isn't everything, but having enough to support your desired lifestyle throughout retirement is the foundation for everything that follows. We are living longer than ever — ONS statistics show that a 50-year-old today is likely to live to 93 (male) or 95 (female). If you're planning to retire at 65, that's a 28–30 year window you need to plan for.
02
Have you had enough?
Some people love what they do and barely feel like they're working. For others, work is simply a means to an end. Most of us sit somewhere in between. It's worth asking yourself honestly — does work still add value and enjoyment to your life, or if it were financially possible, would you be ready to stop, or begin stepping back?
03
Have you got enough to do?
It's hard to overstate how central your career is to your sense of self — it provides purpose, routine, connection and belonging. When that stops, it can leave a surprisingly large void. You don't need to have everything figured out, but having a sense of how you'd like to spend your time makes all the difference. As the saying goes: Don't simply retire from something; have something to retire to.
At Tarian Financial Planning, our process is designed to help you answer these questions thoroughly. We'll provide clear, personalised recommendations to turn your retirement plans into reality — so you can step into the next chapter of your life with confidence and excitement, rather than worry.