Retirement Planning

Lifestyle Financial Planning

Why it’s important to plan your finances around the lifestyle you want – not the other way around.

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Joslin Rhodes - A middle-aged retired couple sitting closely together, smiling warmly as they enjoy a scenic view after a walk, embracing the joy of their retirement.

What’s Your Happy?

For some, happiness is knowing you’ve got enough money to live worry-free in retirement. For others, it’s travelling the world.

But, whatever your version of happiness looks like, our unique PlanHappy Lifestyle Financial Planning Process is specifically designed to help you work out how to get your ‘happy’.

At Joslin Rhodes, we’ll explore what you really want from retirement, then build a personalised plan to show how to use your pensions, savings and other assets can help pay for it.

And along the way, we’ll help you answer those big questions that keep you awake at night, like:

When can I afford to retire?
Should I transfer my pension?
Can I take a tax-free lump sum?

Infographic stating - Did You Know? 26% of UK workers don't know their planned annual retirement income, making future financial planning harder.

How Much is Enough?

Before you can work out if you have enough, you first need to work out what ‘enough’ means for you.

That’s exactly what makes PlanHappy Lifestyle Financial Planning so great.

The whole process is built around helping you get the retirement you want, by first exploring the lifestyle you’d like to live.

Once we know what matters most to you, we’ll review your pensions, savings and other assets to see if there are any gaps to fill or changes to make.

And we’ll handle all the legwork – analysing, calculating, dealing with providers and making sure everything’s done properly – so the only thing you need to focus on is enjoying life after work.

Joslin Rhodes - Retired people smiling and celebrating with arms raised, surrounded by purple, pink, and light blue balloons and confetti.

Journey to Your Happy

Our step-by-step PlanHappy Lifestyle Financial Planning Process is designed to get you from where you are now to where you want to be.

Here we break it down so you can see how each stage works:

Click the steps above to explore

1. Site Survey

The first step: understanding where you are now, what assets you have and how the PlanHappy process will help.

2. Design Coaching

Where do you want to be and what’s the big question? Not just financially, but from a human perspective for you and your family.

3. Outline Sketches & Sketch Discussions

Reviewing and discussing some sketch designs of different options and the big conclusions they reveal. Understanding the borders of the design page so you can work inwards towards a working plan.

4. Working Plan

An agreed plan which identifies the actions required to make it a reality and is then regularly updated and adapted to take account of your, and the world’s, changing circumstances.

5. Build

Implementing the agreed actions and transactions to make your working plan a reality.

6. Topping Out

Getting together to review the finished build and tidy up any loose ends.

7. Protection Survey, Design & Activation

A series of meetings to identify estate planning issues and, design and build the solutions.

8. Update & Improve

Ongoing investment management of your portfolio and annually revisiting your working plan to identify any tweaks required to keep it in alignment with your changing lifestyle.

The Most Exciting Part

This is the bit where you get to see the Financial Plan we’ve created and when we often get to tell people:

“You can retire early”
”You go on that big family holiday”
And, “You do have enough to enjoy life”

Essentially, PlanHappy Lifestyle Financial Planning is all about you getting what you want from life.

So, here’s your chance to experience the joy of a personalised, worry-free retirement plan with help from Joslin Rhodes. Trusted experts in Teesside for for 20 years.

What’s not to love about that?

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