SJP Financial planning for retirement
It all starts with a great retirement plan
Planning for retirement is one of the most important financial steps you'll take in life. It’s more than just saving money or choosing a pension – it’s thinking about what you want your money to do for you and the lifestyle you want to lead. Financial advice can help you put a practical plan in place so you can rest easy knowing that you’ll have enough money, for as long as you need.
Getting retirement advice
Retirement financial planning helps you:
- understand what kind of lifestyle you want in retirement.
- look at how you can grow your retirement income and savings tax-efficiently.
- plan for what you can’t predict, from social care costs to changes in the stock markets.
- choose the best products for you with the benefit of expert finacial advice, but – without the stress.
- look forward to retirement knowing you have a clear retirement income plan that can evolve with you.
This can be a difficult one to answer, as everyone is different, and has different needs. The best way to approach this question is by starting with the end goal in mind.
Are you on track to enjoy the retirement you're looking forward to? Or is there a gap between your savings and the income you'd ideally like? Use our calculator to find out how much you may need to save.
We'll help you with your retirement plans
Retirement financial advice helps you build a strong foundation for the future, and your financial wellbeing in later life.
What to expect:
When you first meet us, we’ll spend some time getting to know you and understanding what you want out of retirement.
We’ll cover a lot of ground – but we’ll never ask push you to share personal details that you may not feel ready to. We’ll ask about:
• the kind of retirement you imagine.
• your current circumstances, and family life.
• your income and what you spend each month.
• any pensions, savings or other assets such as property you may have.
• if you’ve had any previous experience of investing.
*The Real Life Advice Report was commissioned by St. James’s Place. On behalf of SJP, Opinium surveyed 8,000 UK adults nationwide between 22 July - 5 August 2025 and refreshed shorter surveys of a further 2,050 UK adults between 28th November and 6th December 2025. Quotas and post-weighting were applied to the sample to make the dataset representative of the UK adult population.
The value of a St. James’s Place investment will be directly linked to the performance of the funds you select and the value can, therefore, go down as well as up. You may get back less than you invested.