Plan with clarity. Retire with confidence. Live the life you’ve worked for.
Retirement is one of the biggest financial and lifestyle transitions you’ll ever make. At Ifamax, we help people in Bristol and across the UK plan for retirement with confidence, combining tax-efficient planning, investment strategy, and long-term guidance — not guesswork.
Retirement planning is about more than a number
One of the most common questions we hear is:
“How much do I need to retire?”
While numbers matter, good retirement planning starts somewhere else, with the life you want to live.
Retirement isn’t just the end of work. It’s a new phase of life, with new rhythms, priorities, and choices. The role of a financial planner is to help you connect your money to that reality, ensuring your income is sustainable, tax-efficient, and aligned with what matters most to you.
At Ifamax, retirement planning means:
Understanding what a good retirement looks like for you
Building a plan that supports income, flexibility, and peace of mind
Reviewing and adapting as life, markets, and legislation change
Our approach to retirement planning
Structured. Personal. Ongoing.
As a CISI Accredited Financial Planning Firm™, we follow a disciplined planning process designed to support long-term outcomes, not short-term decisions.
Our retirement planning approach typically covers:
1. Understanding your retirement goals
We start by listening. What do you want retirement to look like?
Travel, family time, part-time work, volunteering, or simply freedom from financial stress — your goals shape the plan.
2. Reviewing your current position
We take a holistic view of:
Pensions (workplace, personal, SIPPs)
ISAs and other investments
State pension entitlement
Tax position
Existing income and expenditure
Protection and estate planning considerations
3. Building a sustainable retirement income
We help you understand:
How much you can realistically afford to spend
Where income should come from, and when
How long your money needs to last
How to balance security with flexibility
This often includes careful planning around pension drawdown, cash reserves, and investment strategy.
4. Tax-efficient planning
Tax plays a crucial role in retirement outcomes. We focus on:
Using pension and ISA allowances effectively
Managing income tax bands
Reducing unnecessary tax on withdrawals
Planning ahead for changes in tax rules
5. Investment strategy aligned to retirement
Your investments should support your retirement income — not undermine it.
We ensure your investment strategy reflects:
Your time horizon
Capacity for loss
Income needs
The need for long-term growth to combat inflation
6. Ongoing review and support
Retirement isn’t a one-off event. We provide ongoing advice, regular reviews, and support as your circumstances evolve — helping you stay on track through market volatility and life changes.
Retirement planning for different stages of life
Planning for retirement (10+ years away)
If retirement is on the horizon but still some way off, we help you:
Build pension wealth efficiently
Make informed contribution decisions
Align investments with long-term goals
Avoid costly mistakes early on
Approaching retirement
As retirement draws closer, the focus shifts to:
Timing retirement with confidence
Planning income sources
Managing risk carefully
Preparing for the transition from work to retirement
Already retired
For those already retired, planning centres on:
Sustainable income
Managing withdrawals
Reviewing investment strategy
Adapting plans as spending and priorities change
Who we help
We typically work with people who want clarity, structure, and long-term guidance — not transactional advice.
Our retirement planning clients often include:
Professionals and executives
Business owners
Barristers and partners of law firms
Couples planning retirement together
Individuals with £400,000+ of investable assets
If you’re unsure whether retirement planning is right for you, an initial conversation can help provide clarity.
Why work with Ifamax for retirement planning?
Accredited financial planning firm
Clear, structured process
Tax-efficient, evidence-based planning
Long-term relationship, not one-off advice
Bristol-based, working with clients across the UK
We don’t believe retirement planning should be rushed, overly complex, or driven by fear. Our role is to help you make informed decisions — calmly, confidently, and with purpose.
Frequently Asked Questions
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There’s no single answer. Retirement needs vary widely depending on lifestyle, priorities, and circumstances. A good plan focuses on income sustainability rather than arbitrary targets.
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The earlier you start, the more options you typically have. That said, it’s never too late to improve clarity and make better decisions.
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Yes. Pension drawdown planning is a key part of our retirement advice, including income sustainability, tax efficiency, and ongoing review.
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Yes — Ifamax is based in Bristol and supports clients locally and across the UK.
Start planning for the retirement you want
If you want to feel more confident about your retirement — understanding your options, your income, and your long-term security — we’re here to help.