Plan the transition from earning to spending
Test retirement dates, future expenditure and income sources so that important choices are supported by evidence rather than guesswork.
The central retirement question is not simply how large your pension is, but what kind of life your resources can support.
A retirement plan combines expected spending with pensions, investments, cash, property and State Pension entitlement. Modelling a range of market, inflation and longevity outcomes helps reveal which choices are robust and where flexibility may be needed.
The result is a practical withdrawal framework, not a fixed prediction. It can evolve as spending settles, markets move and priorities shift between lifestyle, resilience and legacy.
How we help clients plan for retirement
What we deliver
Everything you need for a secure retirement
Know your number
Discover exactly how much you need to retire comfortably. We model multiple scenarios so you can make informed decisions about when to stop working.
Income for life
Create sustainable income streams from your pensions, investments and other assets. We help you draw down efficiently while protecting against running out.
Tax-efficient withdrawals
Minimise tax on your retirement income by drawing from the right sources at the right time. A proper strategy can save tens of thousands over your retirement.
Adapt as life changes
Retirement plans need updating as circumstances evolve. We review annually and adjust your strategy for market conditions, health changes, and new goals.
State pension optimisation
Ensure you're getting your full state pension entitlement. We check your NI record and advise on voluntary contributions that could boost your income.
Legacy planning
Balance enjoying your retirement with leaving something for loved ones. We help structure your wealth to pass on efficiently when the time comes.
Common retirement questions
Can I afford my lifestyle in retirement?
We build detailed cashflow models that show you exactly what income you'll have and what you can afford to spend. You'll see how different choices affect your lifestyle and financial security.
When can I actually retire?
We build detailed cashflow models projecting your finances 30+ years ahead. You'll see exactly when you can retire and how different choices affect that date.
How do I avoid running out of money?
Sustainable withdrawal strategies, diversified income sources, and regular reviews ensure your money lasts. We stress-test your plan against market crashes and inflation.
What about care costs later in life?
We factor potential care needs into your plan. Whether that means keeping reserves, insurance, or specific investment strategies, you'll be prepared.
How to meet with us
Our office is based at our Norwich office at St Georges Works, 51 Colegate, Norwich, and meetings can also be held online where appropriate.
rockwealth Norwich IFA
St Georges Works, 51 Colegate, Norwich, NR3 1DD
Putting the subject in context
How this service fits your wider plan
Retirement planning turns accumulated resources into choices: when work can become optional, what level of spending is sustainable and how much flexibility to keep for later life.
If you want place-specific support, read about retirement advice for Norwich households. Related decisions are covered by our Norwich pension specialists, investment advisers serving Norwich and Norwich tax planning service.
These strands sit within the rockwealth Norwich planning service. See how fixed-fee advice works before deciding whether a review would be useful.
Start with the question that is on your mind
You do not need to arrive with everything organised. Tell us what has changed, what feels uncertain or what you want life to look like next. We will explain whether our Norwich team can help and what the next step would involve.
