• Rachael Panteney


Retirement used to be rather a formal affair – you’d finish work one afternoon when you reached a set point in your sixties and be off home without a second look back, carrying a carriage clock and some whisky. Your pension would be automatically

paid to your bank account and you didn’t have to think too much about it.

With the changes to pensions, and employers moving away from final salary

schemes, nowadays retirement can be a lot more confusing.

With pension rules meaning you can access pensions from age 55 (rising to 57 in 2028) partial retirement could allow you to work part-time instead of full-time, or could even mean taking the chance to follow a dream without financial pressures.

Equally, if the thought of retirement fills you with dread, the good news is that you no longer have to stop work just because you’ve reached an arbitrary age set by your employer.

I am often asked

“Can I afford to retire early?”

The answers all depend on what you want your individual retirement to look like. Perhaps you want to travel, start new hobbies, or spend more time with family.

The good news is that talking about retirement doesn’t need to be complicated. 

A personalised retirement strategy that allows you the flexibility to adapt your lifestyle as your needs change can give you peace of mind.

We can arrange a free, no obligation initial meeting where I can find out more about you and your plans, answer your questions and discuss just what that plan might look like.

To book, please call 01323 436680 or visit willowtree-fs.co.uk for more information. The value of pensions - as well as the income they produce – can fall as well as rise. You may get back less than you invested. Tax treatment varies according to individual circumstances and is subject to change.

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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