Gareth Shears

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Gareth Shears Award Winning Chartered Financial Planner - teaching you the money skills the shools never did

19/10/2026

Your retirement plan only succeeded in 16% of historical scenarios. This means 84% of the time, cutbacks were necessary. Spending is more critical than investment returns for long-term plans.

18/10/2026

Retiring at 57 with £800,000 sounds like a dream. But how much can you actually spend monthly? We looked at a couple with this sum wanting £4,500/month. Historical data shows they'd likely need to cut back.

17/10/2026

Retiring at 57 with £4,500 a month seemed like a dream, but it only had a 16% success rate. The plan failed in 84% of scenarios, leaving them to cut back drastically. But could changing spending habits save the day? Adjusting the withdrawal strategy significantly improved the odds.

How is it almost the weekend! I swear I was having a Sunday dinner yesterday! My parents always said when I was a kid li...
15/10/2026

How is it almost the weekend! I swear I was having a Sunday dinner yesterday!

My parents always said when I was a kid life fly’s by when you are older! They were soooo right

13/10/2026

Reaching a point where work is a choice, not a must. Whether it's part-time or a passion project, choosing your path brings true fulfillment. Make sure you're working because you want to, not because you have to.

12/10/2026

Starting April 6th, 2028, the minimum age to access most private pensions will increase from 55 to 57. If you were born after April 6th, 1971, this is your new starting point. Some older schemes might have protected ages, so it's wise to check yours. For many, 57 will be the first time they consider pension access.

12/10/2026

Retiring feels like a significant loss because your salary stops. This is amplified by the psychological principle that losses feel roughly twice as painful as equivalent gains. The salary you'd lose feels immense, while the year you'd gain feels like nothing because it doesn't show up on any statement.

11/10/2026

You think you know the price of working an extra year. If you have £600k in a pension and draw £30k a year, working one more year adds £3k annually. That's the real cost.

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5 Neptune Court
Cardiff
CF245PJ

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+447974407480

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