As retirement approaches, the most common question is a simple but important one: “Do I have enough money to live comfortably and never have to go back to work?”

For some people, the answer is a resounding yes—and in fact, you may not even need to rely on part or all of your pension. For others, getting it right is crucial: working out the right level of income or lump sum to support your lifestyle, avoid running out of money, and feel confident about the future.

Whatever your position, a financial adviser can help. By using cashflow planning, they can show you what your retirement might look like in real terms and help ensure your money lasts as long as you do. They can advise on generating income in retirement, combining pension pots, taking lump sums efficiently, and deciding whether a final salary pension is worth transferring.