I had a couple more years until I retired and wanted to ask for advice, but didn’t know how to pitch things in order to move some of the funds invested into a higher risk before beginning drawdown. I was a little worried about transferring everything to St. James’s Place, but really like having the guarantees backed by a reputable company, combined with Gemma’s personal touch as my adviser.

The Visual Lifestyle Cashflow Plan did a great job of illustrating the potential of our pension pots. The meeting with John, Gemma’s Cashflow Manager, demonstrated to us that options we only considered as possibilities, are all now achievable and on top of that we can retire a year earlier than we thought!