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How to Plan for Retirement

Plan for your future with a personalised retirement plan from Hoxton Wealth UK. 

We focus on your goals, your lifestyle, and your long-term financial objectives, helping you prepare with clarity and confidence. 

Retirement Planning • How to Plan for Retirement

Get Help Planning Your Retirement 

Planning for retirement is one of the most important financial decisions you will ever make. Your retirement could last several decades, which makes it vital to understand what you want your future to look like and how your finances may support it depending on your circumstances. 

At Hoxton Wealth UK we create bespoke retirement plans that balance growth, security, and flexibility. Whether you are reviewing pensions, building savings, or coordinating international arrangements, our advisers provide clear, personalised guidance at every stage. Extra risks or costs may apply to cross-border arrangements. 

Rethink Retirement Planning with Hoxton Wealth UK

Retirement planning is not just about putting money aside. It is about understanding your long-term goals and how each financial choice takes you closer to them. Our advisers combine professional expertise with technology that helps you track progress, review decisions, and adapt to life changes. 

We show you how changes such as new investments, increased saving or major expenses may affect your retirement outlook. This gives you the information you need to make informed decisions and support your long-term financial independence. 

Rethink Retirement Planning with Hoxton Wealth UK

Retirement planning is not just about putting money aside. It is about understanding your long-term goals and how each financial choice takes you closer to them. Our advisers combine professional expertise with technology that helps you track progress, review decisions and adapt to life changes. 

We show you how changes such as new investments, increased saving or major expenses may affect your retirement outlook. This gives you the information you need to make informed decisions and support your long-term financial independence. 

Why Retirement Planning Matters

Retirement is a long chapter of life, and the choices you make now can shape your financial security for many years. Good planning helps you: 

  • Understand how your pensions and savings work together 
  • Spot potential shortfalls early and address them 
  • Manage investment risk in a way that suits you 
  • Use tax efficient sources of income where appropriate and depending on your circumstances 
  • Keep flexibility for unexpected costs or lifestyle changes 
  • Clarity today helps support security tomorrow. 

How We Help

Our role is to simplify the planning process and give you a clear, structured path forward. We work with you to define your goals, review your existing arrangements and create a retirement strategy that fits your vision, your timeline and your financial position. 

Below is the step-by-step framework we use with clients. 

Our Step-by-Step Approach

Step 1: Clarify Your Retirement Goals 

Your plan begins with your personal goals. We help you define: 

  • When you want to retire 
  • Whether you prefer a gradual transition or a clear retirement date 
  • The lifestyle you want to maintain 
  • How travel, family support and hobbies fit into your plans 
  • How much flexibility you want in your spending 

This forms the foundation of your retirement strategy and guides every later decision. 

Step 2: Understand Your Timelines 

Your timeline influences how you save, invest and prepare. We help you understand: 

  • How long you have until your preferred retirement date 
  • How long your retirement may last 
  • How major life events, such as mortgage repayment or family support, affect the plan 
  • How many years your investments may have to grow 
  • How long your funds may need to provide income 

A clear timeline supports sensible and realistic planning. 

Step 3: Take Stock of Your Pensions and Savings 

We review all your retirement assets, including: 

  • State Pension forecasts and your National Insurance record 
  • Workplace pension schemes from current and past employers 
  • Personal pensions and SIPPs 
  • ISAs and investment portfolios 
  • Cash reserves and any other relevant assets 

This gives you a clear picture of where you stand today and highlights any gaps or opportunities. 

Step 4: Build a High-Level Retirement Roadmap 

We create a structured plan that sets out: 

  • Target contribution levels into pensions and other accounts 
  • A suitable investment approach for your goals and timeline 
  • How pensions and ISAs can work together to support tax efficient withdrawals 
  • The likely order in which income sources may be used 
  • How your spending might be supported in both early and later retirement 

This roadmap guides your long-term planning and forms the basis for detailed, personalised recommendations. 

Investments can go down as well as up, and you may get back less than you invest. 

Step 5: Ongoing Review and Adjustment 

Retirement planning is a continuing process. Circumstances change, tax rules are updated and markets move. We provide regular reviews so that: 

  • Your retirement goals stay up to date 
  • Your strategy continues to reflect your timeline and risk profile 
  • Your plan takes account of changes in tax and regulation 
  • You remain clear about whether you are on track 
  • Ongoing support helps keep your retirement plan aligned with your life. 
  • Common Mistakes in Retirement Planning 

Many clients come to us after years of well-intentioned decisions that were not fully joined up. Common issues include: 

Relying too much on the State Pension 

For most people, State Pension alone will not provide the lifestyle they want in retirement. Additional planning is usually required. 

Not using tax allowances efficiently 

Unplanned withdrawals from pensions and investments can create unnecessary tax. Coordinating income sources and allowances can make a meaningful difference. 

Holding the wrong level of investment risk 

Being too cautious may limit growth potential and could increase the risk of funds not lasting as long as intended. Taking too much risk, especially close to retirement, can expose you to large losses at the wrong time. Getting the balance right is essential. 

Leaving planning until too late 

Small improvements made early often have far more impact than last minute changes. Delaying decisions can reduce your options. 

Not seeking professional guidance 

Pensions, withdrawals and tax rules are complex and can change. Professional advice can help you avoid pitfalls and make more informed choices. 

Our role is to help you avoid these mistakes and replace them with clear, joined up planning. 

Reviews help ensure your plan remains appropriate, but cannot guarantee outcomes. 

FAQs

Why Choose Hoxton Wealth UK

Choosing the right adviser can play an important role in how you approach retirement planning. We offer: 

Personalised Retirement Strategies 

Your retirement is unique, and so is our approach. We work closely with you to understand your lifestyle, financial situation and long-term ambitions, then build a plan that reflects them. 

Innovative Technology 

The Hoxton Wealth App supports real time tracking and monitoring of your retirement plan. You can see your progress, review projections and stay informed between reviews. Keep in mind that all projections are illustrations, not guarantees. 

Sustainable Income Solutions 

Retirement planning goes beyond building savings. We design strategies intended to support sustainable income throughout retirement, balancing growth with preservation. Although it is important to remember that income sustainability cannot be guaranteed. 

Trusted Guidance 

Our advisers bring extensive experience in retirement and cross border planning. We stay informed on regulations and market developments so you can make decisions with confidence. 

Additional risks, limitations or costs may apply to cross border arrangements. 

Important Disclaimers

Hoxton Wealth (UK) Ltd, Company No. 11180844. Registered office: 101 New Cavendish Street, London W1W 6XH. Authorised and regulated by the Financial Conduct Authority (FRN 586130). 

This page provides general information only and is not a substitute for personalised financial advice. Investments can go down as well as up, and you may get back less than you invest. Charges and fees will affect outcomes. Tax rules can change, and their effects depend on your circumstances. Some services may not be covered by the FSCS or FOS – please ask us for details. 

Hoxton Wealth UK does not advise on defined benefit pension transfers or on any pension with safeguarded benefits. 

If you are considering transferring a defined benefit scheme or another pension with safeguarded benefits, you will need to seek advice from a firm that is authorised to provide that specific service. 

Get In Touch

If you would like to speak with one of our advisers about planning your retirement, we would be pleased to hear from you. 

Learning Resources

How Can We Help You?

If you would like to speak to one of our advisers, please get in touch today.

With our years of financial planning experience, we at Hoxton Wealth are committed to helping you develop your future, focusing on what’s important for you and guiding you to make informed financial decisions. 

Our Philosophy

Financial Planning

At Hoxton Wealth, we believe in a comprehensive approach to financial planning that balances growth potential with security and sustainability.

Comprehensive Assessment

By conducting a thorough assessment of your financial situation, goals, and risk tolerance, we develop a well-rounded financial plan tailored to your needs.

Proactive Management

Our advisors continuously check your financial plan and make necessary adjustments in response to changes in your life circumstances and the economic environment.

Long-Term Focus

We aim to create financial plans that provide long-term stability and growth, helping you achieve financial security and peace of mind.

Downloadable Guides

Free Financial Planning Guides

Expert Advice

Our Financial Planning Solutions

We offer a comprehensive suite of financial planning solutions designed to meet the diverse needs of our clients. Whether you are planning for retirement, saving for education, or managing your wealth, Hoxton Wealth has the ability and resources to help you succeed.

  • 1Financial Assessment

    We start by thoroughly evaluating your financial situation, including income, expenses, assets, and liabilities. This assessment lays the groundwork for creating a solid and effective financial plan.

  • 2Goal Setting

    Identifying and prioritizing your financial goals is essential for a focused plan. We work with you to define short-term, medium-term, and long-term goals, ensuring each is achievable and aligned with your life ambitions.

  • 3Strategic Planning

    We develop a comprehensive plan that addresses all aspects of your financial life, including savings, insurance, retirement, and estate needs. Our strategies are tailored to your unique circumstances and goals.

  • 4Collaboration with Investment Managers

    By working closely with investment managers like Aditum, we ensure that your investments are aligned with your financial plans and goals, providing a cohesive and integrated approach to wealth management.

  • 5Retirement Planning

    We create a robust retirement plan that focuses on building sufficient retirement savings and generating sustainable income throughout your retirement years.

  • 6Estate Planning

    Our estate planning services help you structure your assets for optimal distribution and legacy preservation, ensuring that your wealth is transferred according to your wishes.

  • 7Tax Planning

    Minimising taxes is key to maximising your wealth. We offer expert guidance on tax-efficient strategies to enhance your after-tax income and protect your wealth.

  • 8Insurance Review

    We assess your insurance needs to ensure you have the right coverage in place to protect your financial health and provide peace of mind for you and your family.

  • 9Education Planning

    Preparing for future education costs is crucial. We help you plan and invest in education savings, ensuring that you can support your children's academic goals.

  • 10Plan Monitoring and Adjustment

    Financial planning is not a one-time event; it’s an ongoing process. We regularly review and adjust your financial plans to reflect changes in your life circumstances and goals, ensuring your plan remains relevant and effective.

  • 11Client Education

    We believe in empowering our clients through education. We provide ongoing support and resources to help you understand and implement effective financial strategies, enabling you to make informed decisions.

The Hoxton Wealth App: Your Financial Planning Companion

iPhone Mockup

Comprehensive Dashboard

View all your financial plans in one place with our intuitive dashboard. Monitor performance, track progress, and stay updated with real-time data.

WealthFlow

Our innovative WealthFlow feature offers a holistic view of your financial health by allowing you to connect and synchronise your bank accounts and investment accounts. This integration enables seamless tracking of your finances and better financial planning.

Goal Tracking

Set and track your financial goals within the app, receiving regular updates and insights to help you stay on course.

Live Net worth Tracker

Keep an eye on your overall financial health with our live net worth tracker, which aggregates data from all your accounts to offer an up-to-date view of your net worth.

Secure Document Storage

Store important financial documents securely in the app, ensuring you have access to them whenever needed.

Alerts and Notifications

Stay informed with custom alerts and notifications on market movements, financial plan updates, and opportunities to enhance your financial strategies.

Testimonials

What our clients have said



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Join Hoxton Wealth Today

By transforming our approach and embracing the latest technological advancements, Hoxton Wealth is poised to lead the way in modern financial advisory. Join us as we redefine what it means to plan. 

Contact us today to schedule a complimentary consultation and discover how Hoxton Wealth can help you achieve your financial goals. Together, we can build a brighter financial future.