Retirement Planning

Retirement should be a time of freedom, fulfilment, and financial confidence. But achieving that peace of mind does not happen by accident. It takes careful planning, expert guidance, and a strategy shaped around you.

At Holroyd Wealth Management, we build retirement income plans that are personal, flexible, and designed to last.

Your Retirement Options

You have worked hard for your wealth. Now it is time to make it work for you. We will help you explore the full range of retirement income options, including:

✔ Flexi-access drawdown
✔ Annuities and guaranteed income
✔ Blended income strategies
✔ Tax-efficient withdrawals
✔ Legacy and inheritance planning

Whether you are planning to stop work, phase into retirement, or just want reassurance that your finances are on track, we are here to help.

Beyond Lifestyle Funds: A Strategy Built Around You

Lifestyle funds automatically reduce investment risk as you approach retirement, but they follow a standard glide path that may not reflect your goals or risk appetite.

We offer a more personal and responsive approach:
✔ Personalised asset allocation
✔ Dynamic income planning
✔ Regular reviews to keep your plan on track

This flexible approach helps you stay invested for longer where appropriate, while managing risk in a way that suits you.

Retirement Withdrawal Strategies

There is no one-size-fits-all way to draw income from your pension. We guide clients through five core strategies:

1. Sustainable Withdrawal Rate
   Withdraw a fixed percentage each year to balance income with investment sustainability.

2. Cash Buffer Strategy
   Hold 1 to 2 years’ worth of income in cash to avoid selling investments during downturns.

3. Natural Income Strategy
   Generate income from dividends, interest, or rental yield without touching your capital.

4. Asset and Liability Matching
   Match essential costs with low-risk assets (such as bonds or annuities) and keep growth assets invested for future needs.

5. Pot Investing (Bucket Strategy)
   Split assets into short-, medium-, and long-term pots to meet evolving income needs with flexibility.

Cash Flow Forecasting

We use cash flow modelling to help you visualise your future:

✔ How long your money may last
✔ How inflation and markets could impact your plans
✔ When and how to take income tax-efficiently
✔ If you can afford to gift or leave a legacy

This gives you greater confidence when making important retirement decisions.

Considering Annuities

Annuities are not right for everyone, but for the right client, they can provide peace of mind:

✔ Lifetime guaranteed income
✔ Reduced investment and longevity risk
✔ May suit those with lower risk tolerance

We will help you explore whether annuities have a place in your wider retirement plan.

Expertise in Pension Transfers and Drawdown

Anthony Holroyd is a Chartered Financial Planner with specialist qualifications in pension transfer and income drawdown.

We offer advice on:

✔ Tax-efficient withdrawal strategies
✔ Investment selection for drawdown
✔ Ongoing performance and suitability reviews

With the right planning, your pension can offer more flexibility and value than you might expect.

A Retirement Plan That Grows With You

Retirement is not static, and neither is our advice. We provide ongoing support, regular reviews, and a clear plan that evolves with your life.

Let’s build a retirement income strategy that supports the life you want to live.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.