Preparing for Retirement

Changes since last visit

• · 17 employees received salary increases
• · 11 employees crossed an age milestone
• · 23 employees have never interacted with pension education
• · 7 employees appear to have stopped increasing contributions
• · 14 new employees became eligible

Recommended agenda

1. Understanding your retirement options
2. Old pots and consolidation considerations
3. Retirement income planning concepts
4. General tax considerations
5. Questions to ask an advisor

Suggested talking points

• · Options widen from 55 — understanding them early helps
• · Consolidation is personal, not automatic
• · One-to-one clinic slots available afterwards

Cohort — Age 55+ and retirement within 10 years (14 employees)

• · Age 55+
• · Retirement within 10 years
• · Pension questions submitted
• · Consolidation indicators

Top open opportunities

• · Daniel Hughes — Pre Retirement (priority 91)
• · Stephen Ward — Contribution Stop (priority 90)
• · James Fletcher — Pre Retirement (priority 89)
• · Charlotte Wilson — Contribution Drop (priority 88)
• · Edward Lynd — High Earner Taper (priority 88)
• · Ben Hargreaves — High Earner Taper (priority 88)
• · Nadia Volko — High Earner Taper (priority 88)
• · Marcus Bellamy — High Earner Taper (priority 88)

Employee questions to expect

• · Ben Carter: “Which fund should I be in?”
• · Katie Lomax: “What is auto enrolment actually?”
• · Nadia Petrova: “Does salary sacrifice change my take-home pay?”
• · Charlotte Wilson: “If I lower my contribution for a year, what does that cost me later?”
• · Daniel Hughes: “Can I retire at 60 with what I've got?”
• · Mohammed Ali: “Should I combine my old pensions?”