This website has been specifically created to support employees who are considering retirement. It includes useful information on the income options available at-retirement and also things to consider for your lifestyle in retirement, along with online tools to help with your financial planning.


The following flipbooks are available to download:

This flipbook explains what a pension is, how you will build up savings over your working life and how it is a tax efficient way of savings towards your retirement.

Download here

This workbook will help you recognise what is important when you are making choices about your retirement savings and identify a number of key risks which may be relevant when you are planning your retirement income.

The McCloud Judgement information webcast

Budgeting Tools

Please also use our interactive tools to help with your budgeting.

Current income

Source of income is one of the biggest changes people go through in retirement and it is important to have a plan in place before you retire. This tool will help you identify where your money comes from now in order to consider how it will change in your retirement.

Income in retirement

The money you have in retirement may come from a number of different places, so it’s important you have information about the amount you will receive from each source. 

Budget planning

Retirement can last a long time, so you’ll need to consider this when working out a budget.  Creating a budget can help to estimate how much income you might need in your retirement.

Your retirement lifestyle

Making the transition into retirement for many people can be daunting. Work has taken up a significant portion of your life, so filling that gap is something to give considerable thought to.

Retirement income checklist

It is important to be clear about your choices, identify the risks involved and also understand the tax you may have to pay. Use our checklist…