Retirement planning

You are not alone! Retirement planning…and a new book

03 May 2022

It is easy to feel isolated and alone when you face something daunting like retirement, or indeed the prospect of retirement. Please be assured that you are not alone and the numbers of people facing this prospect are amazing.

In a study by, the population of England by age group in 2020 is detailed, and more on this can be found on the following link: population of england-by age group .

It is interesting to note that there are round 10.8 million people within the age range 50 – 64 as of the date of the survey. As you might guess, that's a lot of financial planning to be achieved over the coming years, in the accumulative years, and then into drawing funds.


In the age range 50-60, many individuals may continue to accumulate assets, such as pensions, to build sufficient funds to take the leap from employee or business owner to retiree. In our experience, these years can make a real difference between an average retirement and a good one. If you are over 50 and have not really paid attention to the end game of retiring, then now is a great time to start.

Decumulation / drawing funds

The day is likely to arrive when you decide to stop work and retire. We hope you are excited by the prospect! There are many options and variations on the way that pension benefits can be drawn. You might know there are many types of pension, perhaps too many to list in the course of this blog. To help, I have added a link to our Retirement Options Schedule as a PDF which can be found here: Chapters Financial Retirement options

Each of us is different, with different solutions to the way income in retirement is structured. Talk to the team at Chapters Financial for your individual needs.

New book / Coming in to Land: Runway to Retirement

My colleague Vicky Fulcher and I have been working on a new book entitled 'Coming in to Land: Runway to Retirement', and this should be available in the late summer of 2022. As the title suggests, the book focuses on all aspects of the lead up to retirement what needs to be achieved, the drawing of pension benefits and the options, also taking a look at the emotions that an individual and their spouse or partner might be going through in the process. In addition, we look at the start of the post retirement years, which we hope are fun, when an individual gets there.

More on the new book can be found here: Coming in to land - Runway to retirement


Whatever your plans and approach to retirement, please remember you are not alone. If you have friends and family of a similar age, go and have a chat with them to see what they are doing and then research further, or engage with a suitably qualified adviser to meet your plans and objectives.

Get ready soon: there is much to enjoy if you have saved enough.

No individual advice is provided during the course of this blog.

Keith Churchouse FPFS
CFP Chartered FCSI
Chartered Financial Planner

Chapters Financial Limited is authorised and regulated by the Financial Conduct Authority, number 402899

Previous Article

Front cover unedited

Official opening of the Chapters Financial office in Tunsgate, Guildford, by The Mayor of Guildford

29 April 2022

Next Article


Early Spring 2023 Newsletter

25 January 2023