Can you afford the retirement you want?
Retirement cash-flow planning helps you understand how your pensions, savings and spending could work together—so you can make decisions with greater confidence.
Whether you want to stop working, travel more or help your family, start with your life and what matters to you.
Bring me your problems, not your portfolio.
No requirement to move your investments. No percentage-of-wealth planning fee.
With Steve Conley, Chartered Financial Planner
Online throughout the UK · No obligation to buy further support
You have pensions and savings. But do you have a clear picture?
You may already have investments, a financial adviser or a portfolio you manage yourself. Yet important questions remain:
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Can we afford to retire—and could one of us stop working first?
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How will we fund the years before our pensions start?
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How much can we comfortably spend on travel and enjoying life?
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Can we help our children without compromising our own security?
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What happens if one of us dies or needs care?
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How would inflation, lower returns or unexpected costs affect our plans?
You don’t have to change investment providers to explore these questions.
See how your retirement could work
Together, we build or review a picture of your future income, spending, savings and commitments.
Using Navigator, we can explore different scenarios: retiring earlier, working less, changing spending or making a family gift. We can examine when different income sources become available and where a funding gap might arise.
You can see the assumptions behind the projections, understand the trade-offs and consider what might need to change.
A projection isn’t a promise. It is a practical way to test your choices before making them.
Help that leaves you in control
“Navigator allowed us to explore different scenarios to understand the potential impact of our choices, while Steve's guidance helped us feel confident in our decision making without feeling pressured or taking the decisions away from us.”
D S — Google review
Start with one conversation
50-minute Strategy Zoom Meeting — £50
Bring the retirement question that is on your mind.
We’ll discuss your circumstances, clarify what you want to understand and identify practical next steps. If detailed cash-flow modelling or further support would help, I’ll explain the scope and cost before you decide.
The first meeting is a focused conversation; a complete retirement cash-flow plan may require additional work.
Not sure whether this is the right service?
How we work together
1. Start with your life
We discuss your retirement hopes, household circumstances and the decisions you face. We identify the information needed to explore them.
2. Explore the numbers
Where we agree to further planning, we use your information to model income and spending over time, test alternatives and identify uncertainties.
3. Decide your next steps
You leave with a clearer understanding of your options, any information still needed and the actions you choose to take.
You can return for support when circumstances change. There is no requirement to enter an ongoing relationship.
Experienced support, wherever you live
I’m Steve Conley, a Chartered Financial Planner with more than 40 years’ experience in financial services, including senior roles at HSBC, RBS and Santander.
I help individuals and couples understand their finances and make decisions about their lives. I don’t sell financial products or manage investment portfolios.
We meet by Zoom, so you can work with me from anywhere in the UK.
Your questions
Do I need to move my pensions or investments?
No. We can explore your retirement finances using your existing arrangements. There is no requirement to transfer assets to work with me.
Can you help if I already have a financial adviser?
Yes. You may want cash-flow planning alongside your existing investment arrangements, or help understanding the planning assumptions and questions to raise with your adviser.
Can my partner join?
Yes. The same £50 meeting can include both of you.
Do I need everything organised before booking?
No. Bring the question you want help with and whatever information you already have. We can identify what else is needed.
Can you tell me which pension or investment to buy?
I provide financial planning, education and decision support. I do not recommend buying, selling, holding or transferring particular regulated investments. Where regulated advice or specialist tax or legal advice is needed, we identify that requirement.