Thinking About Retiring Abroad? 10 Countries Worth Considering
For some people, retirement means staying close to home, family and familiar surroundings. For others, it means something completely different. Maybe you’ve always imagined spending more time in the sunshine. Perhaps you want a slower pace of life, more time outdoors or the chance to wake up somewhere that feels like a holiday. And with […]
5 Questions to Ask About Your Retirement Plan This Autumn
Autumn is a good time to take stock. The summer holidays are behind us, Christmas is slowly appearing on the horizon and, before we know it, we’ll be looking ahead to another year. For those approaching retirement, it’s also a useful time to step back and ask: Is my retirement plan still on track for […]
The State Pension Is Changing. But What Does It Actually Mean For Your Retirement?
There has been plenty of discussion around the State Pension recently, particularly following the Government’s announcement that the current Triple Lock will be adjusted from April 2030. But what does that actually mean for people planning for retirement? First, the good news The State Pension isn’t disappearing. The Government has confirmed that the Triple Lock […]
Why Pension Services in the UK Matter More Than Ever
Planning for retirement is no longer something to be put off—it’s a crucial part of your long-term financial wellbeing. In the UK, pension services are designed to help individuals secure a stable income later in life, but with so many options and providers available, it can be overwhelming to know where to begin. At Jones […]
What Is a Decumulation Specialist? Planning How to Use Your Wealth in Retirement
For much of your working life, financial planning tends to concentrate on accumulation. You earn, save, contribute to pensions and invest with the intention of building wealth for the future. Then retirement approaches and the question changes. Instead of asking, “How much can I build?”, you need to start asking, “How can I use what […]
10 Things People Wish They’d Known Before Retiring
Retirement is something many of us spend years working towards. We plan the pension. We think about where we might live. We imagine the holidays, hobbies and long lunches. But nobody can completely know what retirement will feel like until they’re there. And sometimes, the things that matter most aren’t the things you expected. Here […]
Could You Afford to Work Less?
What if retirement didn’t have to be all or nothing? For many people, the idea of working less sounds appealing. A four-day week. More holidays. Fewer early mornings. More time with family. But then the practical question arrives: Could I actually afford it? You might not be ready to retire completely. But that doesn’t necessarily […]
Are You Making the Most of Your Pension?
You might have spent 20, 30 or even 40 years paying into your pension. But here’s a question that’s often overlooked: Have you thought about what you’re actually going to do with it? For most people, building a pension is the easy part of the conversation. You contribute, it grows, and you carry on. Then […]
Guide to Planning Your Retirement Income
Smart Money Magazine September-October 2026 Edition
Retirement Planning Experts in Derbyshire
Retirement planning is about far more than building the largest possible pension pot. The real question is what you want your money to allow you to do once work is no longer the centre of your life. At Jones & Co, our approach to retirement planning in Derbyshire is based around Lifestyle Financial Advice. We […]
Pension Adviser Near Me: How to Get the Right Pension Advice for Your Future
When you search for a “pension adviser near me”, you usually have a particular question in mind. Can I afford to retire? Should I combine my old pensions? Am I paying too much in charges? How do I turn my pension savings into an income? Finding someone nearby is a useful starting point. Choosing an […]
Financial Advisor Near Me
Financial Advisor Near Me: How to Choose the Right Adviser for Your Future Searching for a financial advisor near me usually means one thing: you want clear, trustworthy financial advice from someone who understands your situation and can help you make better decisions. For some people, that search begins after a major life event. A […]
Guide To Making Your Retirement Vision a Reality
Financial Advice for 40 Year Olds: Taking Control of Your Financial Future
Your 40s are often described as the most important decade for financial planning. For many people, these are the peak earning years. Careers are well established, mortgage payments are underway, children may still be financially dependent, and retirement starts to feel much closer than it did in your 20s or 30s. At Jones & Co […]
Can I Withdraw My Private Pension Before 55?
If you are asking, “Can I withdraw my private pension before 55?”, the short answer is usually no. In the UK, most people cannot access pension savings held in a registered private pension until they reach the normal minimum pension age. This is currently 55, but it is due to rise to 57 on 6 […]
The Average UK Pension Pot:
How Does Your Retirement Saving Compare? The average UK pension pot is a useful benchmark when thinking about retirement, but it should never be viewed as a target in isolation. How much you actually need depends on your retirement age, lifestyle, other savings, State Pension entitlement, housing costs and the income you want once you […]
Planning for Retirement: Pensions, Savings and Peace of Mind
Retirement should be a time to enjoy life, free from financial worries. Yet, for many people in the UK, planning for the future can feel overwhelming. Recent research found that one in six people with a partner are unclear about who would inherit their pension savings if they died before drawing on them. Among those […]
Is It Worth Paying Into A Pension For 5 Years?
If you only expect to pay into a pension for five years, you may wonder whether there is enough time for it to be worthwhile. Perhaps you are approaching retirement, have only recently started thinking seriously about retirement planning, or have spent much of your working life without a private pension. The short answer is […]
Preparing For Retirement Guide
Preparing For Retirement Guide – PDF Download As we approach our 50s and 60s, retirement often becomes a central focus in our lives. This transition represents a well-earned opportunity to enjoy the fruits of our labour, whether through travel, hobbies, or cherished moments with loved ones. However, achieving this idyllic vision requires careful and strategic […]