Key Considerations

Key Considerations

When should I retire? It used to be the State Pension Age that determined when you retired, but with this being pushed back, and personal financial independence, more people are determining their own retirement age. The key to making this decision lies in a thorough assessment. We’ll help you explore:

Financial Preparedness:

We’ll work with you to assess your current financial status, including the size of your retirement nest egg and any outstanding debts. This evaluation helps determine if you have the financial means to retire comfortably.

Paying off Debts:

Aim to retire debt-free by paying off mortgages, loans, and credit cards. This reduces financial strain during retirement.


Estimate your living expenses in retirement and plan how your income sources will cover these costs. Our financial planners can build a forecast model so you can visualise your future and the impact of your lifestyle.

Health and Well-being

Your health plays a crucial role in retirement timing, and sometimes determines when you retire. Plan to exercise regularly and eat healthy, fresh food.

Personal Preferences

What are your aspirations for retirement? We’ll delve into your individual goals and dreams to help you select the ideal retirement age that aligns with your desired lifestyle.


If considering moving or downsizing, factor in the financial implications of such a decision.

Get In Touch With Us

If you like what you have seen on our website, the next step is to get in touch, we offer a free initial discussion with no obligation. You can do this face to face, by phone, or on Skype.

It would really help if you could tell us your reason for getting in touch.

Please rest assured that we take your privacy very seriously: We will never share or sell your personal details to anyone without your permission.

Apex CB Financial Planning Ltd, Poole

BH16 6HX, Suite 2, Jellicoe House

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01202 622223

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Notice: You can not enter where the red marker is, please use any other entrance such as the top of station road.