Your pension plan will have a lump sum option, no matter the source. It will be important to consider how best to look after this money and maximise your income in retirement.

This is an ideal time to conduct a full review of your personal objectives and attitude to risk. Such a review would include medical insurance, nursing home care, wills and power of attorney.


Passing On Legacies

You should regularly review what will happen to your possessions after your death. Don’t be one of the 1 in 5 people in Britain that don’t leave a will! A will ensures that what assets you do have will be distributed in exactly the way you want. Effective financial planning will reduce the impact of Inheritance tax.

Will planning solutions are not authorised and regulated by the Financial Conduct Authority.

Ill Health

At this point in your life, it is unfortunate, but it important to plan for the fact that you may fall critically ill. You should speak to an adviser to establish if you require to have critical illness cover and private medical insurance to ensure that you have the best cover possible to aid you and your health.

Active Retirement

For many, early retirement is a great decision where you can leave your life of work behind and begin a life of being content and relaxed as soon as you can afford it. However, for some people, early retirement is unexpected through their employer cutting back or if you were to fall ill. Whatever the situation Campbell Thomson can help.

Time To Travel

Now that you no longer need to work, you can now look forward to making those travel dreams a reality. With regular meetings you can carefully plan your finances.


Once you have grandchildren, you may want to support them financially. Although retirement is generally considered a time of reduced expenditure, you may find that an abundance of money is spent on your grandchildren. Regular reviews with Campbell Thomson will help ensure that you are able to support your grandchildren to the level they deserve.