Retirement is one of life's biggest transitions. Without proper planning, you might face unexpected challenges or miss out on opportunities to make the most of your later years. It can also be a time when financial decisions affect not just you, but your partner, children and even future generations.
At Castlegate, we help clients build comprehensive retirement strategies that give them confidence for the future. Rather than focus on products or single solutions, we love creating holistic plans that consider every aspect of your retirement journey - including how your wealth can support your family and reflect what matters most to you.
For us, retirement planning is not about stopping work. It's about starting the next exciting chapter of your life - empowering you to enjoy the freedom and security you have worked so hard to achieve, while having clarity around how your plans fit with your loved ones’ needs.
Whether you need help with pension consolidation, income planning or tax-efficient withdrawals (or bringing all of these crucial elements together), our financial planners are here to assist.
We would love to speak with you over a free, no-commitment consultation if you are ready to start a conversation.
Many people assume retirement planning is only for those already in their 60s. However, the earlier you start thinking about retirement, the better positioned you will be.
This is different from simply saving into a pension (although that is important). This is strategic planning that considers income needs, tax efficiency, inflation protection and estate planning across potentially 30+ years of retirement.
We understand that not everyone is ready to speak with a retirement planner right now. Yet, here are some broad groups who are likely to benefit immediately:
Castlegate stands apart in several meaningful ways. We hold Chartered Financial Planner status - widely recognised as the UK’s highest professional standard. Few firms achieve this designation, and it demonstrates our dedication to continuous learning, ethical practice and always putting clients first.
Our journey is distinctive too. Founded in Grantham, Lincolnshire, we have grown across the Midlands and London over three decades, meeting clients wherever suits them best - whether at home, at work, online or in one of our offices.
Through this growth, we have built something unusual in financial services. We remain closely connected to our community roots, keeping our approach personal and down-to-earth, while being part of the Duncan & Toplis and Kinbrook group provides greater scale, stability and access to wider expertise - without losing the personal service our clients value.
Yet what truly defines Castlegate is our team - dedicated professionals who consistently go above and beyond for clients, pursuing excellence in everything they do.
Beyond our qualified and experienced planners, we have built a remarkable support infrastructure of paraplanners and administrative staff who maintain exceptional standards, constantly looking ahead and asking: “What’s next?”
We use a structured 4-stage process to develop your tailored retirement strategy.
Our first conversation explores what you want from retirement - your ambitions, lifestyle hopes, worries and what matters most. This allows us to map out your current pension landscape, savings position, target retirement date and the income needed to support your desired lifestyle.
Once you give us the green light, we get to work building your customised retirement roadmap. We then share our clear guidance (matched to what you want to achieve). This addresses key considerations, including bringing pensions together, establishing reliable income streams, tax-smart withdrawal approaches and safeguarding against inflation.
When you are satisfied with your strategy, we execute the agreed steps. This requires careful coordination across the Castlegate team - activities like merging pension schemes, structuring income streams, establishing annuities where suitable and configuring systematic withdrawals - making sure all elements function seamlessly together.
After your retirement strategy launches, we remain available for ongoing support whenever you need us. Behind the scenes, we actively manage your plan's progress, scheduling periodic check-ins to review your income requirements and trajectory.
As life evolves, we can adapt your financial plan in response to changing personal situations, wellbeing or regulatory updates.
Working with a retirement planner is more than calculating numbers and withdrawal rates. It is about confidence and clarity for your future. At Castlegate, clients often tell us they value:
Above all, retirement planning gives you the freedom to enjoy your later years, knowing your finances are working quietly in the background to support the lifestyle you deserve.
Whether you are five years from retirement or already enjoying it, retirement planning starts with a conversation.
We offer a free, no-obligation initial consultation, giving you the opportunity to:
If you are ready to take control of your retirement future, we would love to speak with you.
Castlegate Financial Management Limited is registered in England No. 2077374. Registered Office: 8 Castlegate, Grantham, Lincolnshire. NG31 6SE. Authorised and Regulated by the Financial Conduct Authority. FCA No. 169777.
