Plan for tomorrow’s freedom, today.

At Fairey Associates we believe retirement is not an endpoint—it’s a new chapter. Whether you are years away from retirement or already drawing an income, our job is to ensure you make confident choices that support the lifestyle you want.

1. Early & Mid‑Career: Building Your Foundation If you’re in the accumulation phase, we help you:

– Clarify what retirement looks like for you — lifestyle, timing, priorities

– Review your workplace pension(s), personal pensions and other assets

– Ensure you’re contributing effectively and benefitting from tax‑efficient allowances

– Define your investment strategy so your pension isn’t left to chance This proactive approach means you don’t discover problems too late — you build momentum now.

2. Approaching Retirement: Making SMART Decisions As you near retirement, decision‑points multiply: when to draw benefits, how much to take, what form income should take, tax implications, where your money is invested. We guide you through Pension benefit options (for example drawdown, annuities, phased retirement)

If you’d like to explore how your retirement could look—what things cost, what decisions you face, and how we can build a plan that gives you confidence—please contact us for a complimentary Retirement Review. Let’s create the roadmap to the retirement you want.

– Income sustainability and designing a cash‑flow plan for retirement years

– Tax‑efficient withdrawal strategies and the impact on your estate

– Investment strategies that shift from growth to income or capital preservation

3. Retirement & Beyond: Income, Legacy and Lifestyle Retirement isn’t “done once you stop working”—it’s about living well, managing risk, and leaving a legacy if you wish. We support you to:

– Monitor and review your income plan annually (or as life changes)

– Adapt your strategy for market events, inflation, health issues or family changes

– Consider legacy planning, inheritance tax mitigation and how your retirement assets pass on

– Plan for later‑life costs, including long‑term care planning (where appropriate)

4. A Holistic Approach — No “One Size Fits All”

Because you’re unique, your retirement plan should be too. Our advisers are Chartered Financial Planners, operating on a truly independent, whole‑of‑market basis. We aren’t tied to any provider, so you receive advice based on your needs—not product sales.

We keep things clear and straightforward. You’ll receive clear written recommendations, understandable jargon‑free explanations, and regular reviews to keep your plan aligned with your life.

Ready to begin?

*The value of your investments can fall as well as rise and is not guaranteed