A little planning.
A clearer future.
Free guides and worksheets to help you understand your money and take the next step. Download, print and work through them at your own pace.
Retirement Starter Pack
A six-page starter guide plus a four-page ETF appendix: gather your numbers and explore the two-bucket approach.
Download free PDF View the PDF in a new tab ↗Inside the PDF
Your numbers, in one place
Worksheets for retirement goals, pension pots, savings, debts, monthly spending and expected income.
Understand your options
A spending-gap example, an introduction to the 4% rule and an explanation of the Cash and Growth buckets.
A practical next step
Fund examples to research, an action checklist and links to the calculators.
For general education and information only, not personal financial, investment or tax advice. Examples are not recommendations. Investments can fall in value and projections are not guarantees. The pack includes the full disclaimer.
Retirement Planning Workbook
Put the Starter Pack into practice. Gather your assets and debts, plan your retirement budget and record your expected income in one simple workbook.
Download free Excel workbookFill in the yellow cells and the totals update automatically. Includes a summary, instructions and a link to the Pension Bucket Planner.
For general education, not personal financial, investment or tax advice. The workbook organises your figures; it does not forecast investment returns or calculate tax. Before-tax income and spending are shown separately. Save a private copy for your own use.