RETIREMENT PLANNING

Preparing for retirement is about more than building savings — it’s about creating a plan that gives you confidence, financial stability, and the freedom to enjoy life after full-time work.

At Arcturus, we offer independent retirement planning advice designed around your goals, lifestyle, and future needs. We help you make the right decisions at the right time, so you can transition into retirement with clarity and peace of mind.

Our approach covers:

• Balancing spending, saving, and mortgage repayments as you approach retirement

• Structuring pension contributions and investment portfolios at the right level of risk

• Maximising tax allowances and avoiding contribution or lifetime allowance breaches

• Exploring tax-efficient investments, estate planning, and gifting strategies

Whether your priority is maximising income, protecting capital, or leaving a legacy, we’ll help you put a strategy in place that works for you.

If you’d like to explore your retirement options, we’re happy to arrange an informal, no-obligation conversation.

Read more: Tax Advice