{"id":4611,"date":"2016-06-19T16:35:32","date_gmt":"2016-06-19T15:35:32","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/resources\/financial-planning-copy\/"},"modified":"2025-01-30T12:58:48","modified_gmt":"2025-01-30T12:58:48","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/services\/retirement-planning\/","title":{"rendered":"Retirement Planning"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-4611\" data-postid=\"4611\" class=\"themify_builder_content themify_builder_content-4611 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_ahbk598 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_zr73228 first\">\n                    <!-- module feature -->\n<div  class=\"module module-feature tb_w6xg920 with-chart layout-icon-left size-medium \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-150x150.jpg\" width=\"150\" height=\"150\" class=\"wp-post-image wp-image-4437 lazyload\" title=\"pic3\" style=\"--smush-placeholder-width: 150px; --smush-placeholder-aspect-ratio: 150\/150;width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"pic3\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w\" data-sizes=\"(max-width: 150px) 100vw, 150px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                <div class=\"tb_text_wrap\">\n            <h1 class=\"p1\">Retirement Planning<\/h1>\n<h3 class=\"p1\">We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Sky Blue Wealth Management can examine the best ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working.\u00a0<\/h3>\n<h5 class=\"p1\"><strong><em>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/em><\/strong><\/h5>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module text -->\n<div  class=\"module module-text tb_j7w1601   \" data-lazy=\"1\">\n    <h3 class=\"module-title\">Related Publications:<\/h3>    <div  class=\"tb_text_wrap\">\n            <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_2 tb_27g5927\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_pnlm607 first\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_livz71 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7122 themify_builder not_editable_builder in_the_loop\" data-postid=\"7122\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_j5yd200 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_numf900 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_1kw1447 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-1kw1447-0\" class=\"tb_title_accordion\" aria-controls=\"acc-1kw1447-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Saving for retirement<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-1kw1447-0-content\" data-id=\"acc-1kw1447-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Savingforretirement.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7062 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers10.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>THE VALUE IN THINKING AHEAD<\/p>\n<p>Retirement is something most of us look forward to \u2212 particularly on a Monday morning. However, those thoughts are often little more than a whimsical cocktail of not having to work and prolonged holidays. The reality could be rather different, particularly if your retirement date is some way off.<\/p>\n<p>For a start, retirement is now often not the sudden change from work to enforced idleness that it used to be. It has increasingly become a gradual process, with part-time work playing an important role. The latest data from the Office for National Statistics (ONS) show that 13.4% of men and 7.9% of women aged 65 and over are still in employment.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Savingforretirement.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_p53z188 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7139 themify_builder not_editable_builder in_the_loop\" data-postid=\"7139\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_7f0e065 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_wgss000 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_dkzm708 \" data-behavior=\"toggle\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion separate rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-dkzm708-0\" class=\"tb_title_accordion\" aria-controls=\"acc-dkzm708-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Taking income at retirement<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-dkzm708-0-content\" data-id=\"acc-dkzm708-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Takingincomeatretirement.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7063 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers11.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>PLANNING THE LONGEST HOLIDAY OF YOUR LIFE<\/p>\n<p>There comes a time when you stop working for your money and put your money to work for you. For most people, that is retirement.<\/p>\n<p>The decisions you make then could have repercussions for the rest of your life, and in recent years there have been some major changes to the retirement choices you can make with your pensions.<\/p>\n<p>This guide will help you understand the key issues and decisions that will affect your income after retirement.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Takingincomeatretirement.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col4-2 tb_inwv079 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_jiyr766 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7134 themify_builder not_editable_builder in_the_loop\" data-postid=\"7134\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_o9uy209 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full   tb_t9ws121 first\">\n                    <!-- module accordion -->\n<div  class=\"module module-accordion tb_bvrc461 \" data-behavior=\"accordion\" data-lazy=\"1\">\n    \n    <ul class=\"ui module-accordion  rounded gradient tb_default_color\">\n            <li>\n            <div class=\"accordion-title tf_rel\">\n                <a href=\"#acc-bvrc461-0\" class=\"tb_title_accordion\" aria-controls=\"acc-bvrc461-0-content\" aria-expanded=\"false\">\n                                                            <span class=\"accordion-title-wrap\">Pensions and tax planning for high earners<\/span>                <\/a>\n            <\/div><!-- .accordion-title -->\n            <div id=\"acc-bvrc461-0-content\" data-id=\"acc-bvrc461-0\" aria-hidden=\"true\" class=\"accordion-content tf_hide tf_clearfix\">\n                                    <div class=\"tb_text_wrap\">\n                        <p><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Pensionstaxplanning.pdf\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignleft wp-image-7061 size-full lazyload\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2020\/05\/SBWM_Keyguide-covers9.jpg\" alt=\"\" width=\"170\" height=\"234\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 170px; --smush-placeholder-aspect-ratio: 170\/234;\" \/><\/a>MITIGATING A GROWING TAX BILL<\/p>\n<p>If you are a high-earner and feel you are paying more and more tax, you are not alone. More than one in seven income tax payers are taxed at the higher or additional rate and they pay about two thirds of all income tax.<\/p>\n<p>Increasing the tax burden for higher earners has been a deliberate policy of successive governments. For instance, the thresholds for phasing out the personal allowance and the start of the additional rate tax threshold have both been unchanged since they came into force in April 2010.<\/p>\n<p class=\"p1\"><a href=\"https:\/\/sbwm.uk\/keyguides\/SBWM-KeyGuides-Pensionstaxplanning.pdf\" target=\"_blank\" rel=\"noopener\">Click to download<\/a><\/p>                    <\/div>\n                            <\/div><!-- .accordion-content -->\n        <\/li>\n        <\/ul>\n\n<\/div><!-- \/module accordion -->        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                    <\/div>\n        <!-- module text -->\n<div  class=\"module module-text tb_3yv5004   \" data-lazy=\"1\">\n    <h3 class=\"module-title\">Related Videos:<\/h3>    <div  class=\"tb_text_wrap\">\n            <\/div>\n<\/div>\n<!-- \/module text --><!-- module text -->\n<div  class=\"module module-text tb_fomj660   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><iframe data-src=\"https:\/\/www.youtube.com\/embed\/tKSNHvdwM9U\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" src=\"about:blank\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module text -->\n<div  class=\"module module-text tb_1f68697   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><iframe data-src=\"https:\/\/www.youtube.com\/embed\/g2mz3ZU5U5Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" src=\"about:blank\" class=\"lazyload\" data-load-mode=\"0\"><\/iframe><\/p>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_j22w609 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_spmx841 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\"><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_lakv562 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-8337 lazyload\" title=\"investing for children_sb\" alt=\"investing for children_sb\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\" class=\"feature-posts-title\">Investing for Children<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11424 lazyload\" title=\"A noisy first quarter but what are the results\" alt=\"A noisy first quarter but what are the results\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\" class=\"feature-posts-title\">A noisy first quarter but what are the results?<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11419 lazyload\" title=\"Weighing up the incentives and disincentives of your tax bill\" alt=\"Weighing up the incentives and disincentives of your tax bill\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\" class=\"feature-posts-title\">Weighing up the incentives and disincentives of your tax bill<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11416 lazyload\" title=\"House prices versus inflation\" alt=\"House prices versus inflation\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\" class=\"feature-posts-title\">House prices versus inflation<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11413 lazyload\" title=\"State pension age hits the 67 threshold\" alt=\"State pension age hits the 67 threshold\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\" class=\"feature-posts-title\">State pension age hits the 67 threshold<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_udas639 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n    <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7411\" class=\"post tf_clearfix testimonial-post post-7411 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">Cuts through the jargon and makes sure my needs are at the center of his thinking<\/h1>\n\t\t\t\t\t\n\t\t\t\t\t<div><span lang=\"EN-US\">I was introduced to Graham through my own personal network.\u00a0 I find Graham to be a very open person and professionally curious about my own situation and ambitions. This enables Graham to spar with me to determine how this translates into financial planning.\u00a0 Financial solutions and implications can be very complicated, so it is refreshing to have Graham cut through the jargon and make sure I\u2019ve understood the implications of choices to consider and decisions to be made. Equally I appreciate how Graham feels responsible for the quality of my interaction with 3<sup>rd<\/sup>parties &#8211; Investors and brokers &#8211; and makes sure my needs are at the center of their thinking. Follow-up by Graham and his team is rigorous \u2013 nothing slips down the cracks. I appreciate the time he invests in our relationship. I know that I can contact Graham at any time and he will be keen to be supportive and act with pace.\u00a0 He\u2019s a good bloke and I am very happy to recommend him. <\/span><\/div><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7411 themify_builder not_editable_builder in_the_loop\" data-postid=\"7411\">\n            <\/div>\n<!--\/themify_builder_content-->\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/cuts-through-the-jargon-and-makes-sure-my-needs-are-at-the-center-of-his-thinking\/\" title=\"Cuts through the jargon and makes sure my needs are at the center of his thinking\">&mdash; <span>Rob Cook<\/span><\/a><span class=\"testimonial-title\">HR Director<\/span>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n            <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Retirement Planning We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Sky Blue Wealth Management can examine the best ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4338,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4611","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<svg> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"4\"\/> <circle r=\"calc(50% - 2.00px)\" cx=\"50%\" cy=\"50%\" stroke=\"#13c0e1\" stroke-width=\"4\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-150x150.jpg\" width=\"150\" height=\"150\" title=\"pic3\" style=\"width:calc(100% - 8px);height:calc(100% - 8px)\" alt=\"pic3\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/> \n <h1>Retirement Planning<\/h1> <h3>We are a long time retired, which is why planning for a comfortable retirement should be regarded as a priority. Sky Blue Wealth Management can examine the best ways to ensure that the advice and products we recommend will produce the sort of returns that will meet your expectations and will not affect the quality of your lifestyle when you are no longer working.\u00a0<\/h3> <h5><strong><em>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/em><\/strong><\/h5>\n<h3>Related Publications:<\/h3>\n<h3>Related Videos:<\/h3>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/tKSNHvdwM9U\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><iframe src=\"https:\/\/www.youtube.com\/embed\/g2mz3ZU5U5Q\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4611","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4611"}],"version-history":[{"count":0,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4611\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4338"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4611"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}