{"id":8532,"date":"2026-03-11T11:33:02","date_gmt":"2026-03-11T11:33:02","guid":{"rendered":"https:\/\/new.contentdeployment.co.uk\/quilter\/?p=8532"},"modified":"2026-03-11T11:47:16","modified_gmt":"2026-03-11T11:47:16","slug":"the-path-to-retirement-finding-the-approach-thats-right-for-you","status":"publish","type":"post","link":"https:\/\/new.contentdeployment.co.uk\/quilter\/2026\/03\/11\/the-path-to-retirement-finding-the-approach-thats-right-for-you\/","title":{"rendered":"The path to retirement \u2013 finding the approach\u00a0that\u2019s\u00a0right for you\u00a0"},"content":{"rendered":"
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UK workers increasingly prefer a gradual retirement which balances financial stability, purpose and wellbeing <\/td>Uncertainty around pension rules can affect confidence, leading to rushed or potentially regrettable financial decisions <\/td>Careful planning and professional guidance help ensure retirement choices align with long-term goals and lifestyle <\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div>\n\n
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More people are rethinking what retirement looks like. Instead of a \u2018hard stop,\u2019 many are choosing a more gradual, flexible transition. In fact, a recent study<\/strong>1<\/sup><\/strong> showed fewer than one in four UK workers expect to give up work entirely when they reach retirement age. Most plan to ease into retirement (43%) through changing how they work, by staying in their current role a little longer (15%), or by moving into something new (9%).<\/strong> <\/p>\n<\/div>\n\n

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A fine line \u2013 wellbeing and finances<\/strong> <\/h2>\n<\/div>\n\n
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A phased\u00a0retirement can take many shapes. For some, it means reducing hours; for others, shifting into consultancy, project work, mentoring, or even exploring a new field altogether. This softer transition can help\u00a0maintain\u00a0financial security, preserve purpose and\u00a0routine\u00a0and support wellbeing at a stage when priorities naturally begin to shift.\u00a0<\/p>\n<\/div>\n\n

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Confidence to make decisions you won\u2019t regret<\/strong> <\/h2>\n<\/div>\n\n
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The research also highlights understandable concerns. Many people approaching retirement worry about the complexity and uncertainty surrounding pension rules and tax treatment. Without\u00a0 clarity, it can feel difficult to make confident decisions \u2013 sometimes prompting people to take a lump sum or start drawing income earlier than is right for them.\u00a0<\/p>\n<\/div>\n\n

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Aegon\u2019s Pensions Director, Steven Cameron, notes that\u00a0we\u2019re\u00a0living through a\u00a0\u201csignificant cultural shift\u201d\u00a0<\/em>in how people approach later-life work. With this shift comes the need for a stable, predictable\u00a0pension\u00a0environment that allows individuals to plan with confidence.\u00a0<\/p>\n<\/div>\n\n

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Support as your plans take shape<\/strong> <\/h2>\n<\/div>\n\n
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Taking time to reflect, plan and seek advice can make all the difference. A gradual retirement should feel empowering not overwhelming. Whatever path you choose, we\u2019re here to help you understand your options and make informed decision that support both your finances and your broader wellbeing. <\/p>\n<\/div>\n\n

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1<\/sup>Aegon, 2025 <\/p>\n<\/div>\n\n

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It is important to take professional advice before making any decision relating to your personal finances. Information within this article is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored advice and is for guidance only. Some rules may vary in different parts of the UK.<\/em><\/strong> <\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

UK workers increasingly prefer a gradual retirement which balances financial stability, purpose and wellbeing  Uncertainty around pension rules can affect confidence, leading to rushed or potentially regrettable financial decisions  Careful planning and professional guidance help ensure retirement choices align with long-term goals and lifestyle  More people are rethinking what retirement looks like. Instead of a \u2018hard stop,\u2019 many […]<\/p>\n","protected":false},"author":4,"featured_media":8533,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[32,77],"tags":[],"hd_content_source":[],"_links":{"self":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/8532"}],"collection":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/comments?post=8532"}],"version-history":[{"count":5,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/8532\/revisions"}],"predecessor-version":[{"id":8547,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/posts\/8532\/revisions\/8547"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media\/8533"}],"wp:attachment":[{"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/media?parent=8532"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/categories?post=8532"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/tags?post=8532"},{"taxonomy":"hd_content_source","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/quilter\/wp-json\/wp\/v2\/hd_content_source?post=8532"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}