Clarity Wealth Limited

22/10/2026

Your pension falls just after you retire. Then markets recover.

Does that mean your pension recovers too? 🤔

Not necessarily — especially when you’re taking money out each month.

In my latest video, we meet Paul, a hypothetical retiree with £1 million invested in his pension and a separate cash reserve.

Using historical market movements from the Covid crash, I compare what happened when he:

➡️ Kept taking income from his investments.
➡️ Used some of his cash reserve temporarily instead.

It’s a clear demonstration of why selling investments after a fall can affect your retirement beyond the downturn itself.

But there’s a catch in the comparison — and holding cash comes with costs and limitations too.

If you’re approaching retirement or already drawing from your pension, this will help you understand an important risk.

▶️ Watch the full video:

https://youtu.be/Fxy37X_enMA

Where would your retirement income come from if markets fell tomorrow?

For general information, not personal financial advice. Investments can fall as well as rise, and past performance is not a reliable guide to future results.

📞 Want to understand what your own retirement could look like? Book...

21/10/2026

Taking your pension tax-free cash in one go can feel like the obvious choice. But could it leave you paying more tax later? 🤔

In this Short, meet Sarah: retiring at 60 with an £800,000 pension and wanting £50,000 a year to spend.

We compare two ways of taking her money—and show why the seven years before her State Pension starts could be valuable for tax planning.

▶️ Watch Sarah’s example:
https://youtube.com/shorts/10VIBf95K8k?feature=share

📞 Want to explore your own retirement plans? Book a free, no-obligation initial call:
https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

📋 Download our free Retirement Checklist:
https://claritywealth.co.uk/retirement-checklist/

Illustrative example, not personal advice. Tax treatment depends on individual circumstances and tax rules can change.

📞 Want to understand what your own retirement could look like? Book...

19/10/2026

He wanted £125,000 tax-free from his pension.

He triggered approximately £171,500 in extra tax. 😬💸

How does that happen?

In our latest YouTube Short, Richard explains the fictional example of Steve, who rushes to take his pension tax-free cash before the Budget—without fully understanding his pension’s withdrawal options.

The tax-free portion stays tax-free. The problem is the taxable money he withdraws alongside it, on top of his £80,000 salary.

An extreme example, but one worth understanding before making a big decision about your pension. 🔍

▶️ Watch on our YouTube channel:
https://www.youtube.com/

📋 Planning your retirement? Start with our free checklist:
https://claritywealth.co.uk/retirement-checklist/

📞 Or book a free, no-obligation initial call with Clarity Wealth Limited:
https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

👥 Know someone thinking about taking their pension cash? Share this with them.

Illustrative example using 2026/27 England, Wales and Northern Ireland tax rates and the assumptions explained in the video. Tax depends on individual circumstances and may change. General information only and not personal financial advice.

If you’re approaching retirement and want to understand whether you can afford to retire, how much you can spend, how to use your pensions and investments tax-efficiently, and how to avoid costly mistakes, this channel is for you. Our videos are presented by Richard Platt DipPFS AwPETR, Independen...

15/10/2026

Thinking about taking your pension tax-free cash before the Budget? 💷🤔

It’s understandable to want to protect money you’ve spent years building up.
But before you withdraw it, make sure you understand what happens next.

In my latest video, I use two hypothetical examples to explain:

👔 How a withdrawal while you’re still working could increase your tax bill.
📆 Why spending all your tax-free cash first may leave useful tax allowances unused.
🏡 When taking some cash could fit your retirement plans.
You don’t need to predict the Budget to understand your withdrawal options.

🎥 Watch the full video here:

https://youtu.be/Zb0TcHhf4Lo?si=ibH09T1SylqH-kpp

🔔 Subscribe to the Clarity Wealth Limited YouTube channel for more practical retirement planning videos.
📋 Download our free Retirement Checklist:

https://claritywealth.co.uk/retirement-checklist/

📞 Want to talk through your retirement plans? Book a free, no-obligation initial call with us:

https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

Please share with anyone who’s considering this decision. 👍

General information for UK residents only, not personal financial advice. Tax treatment depends on individual circumstances and rules may change. Clarity Wealth Limited is authorised and regulated by the FCA. FRN: 758444.

📞 Want to understand what your own retirement could look like? Book...

14/10/2026

Retiring soon? Before you plan the leaving do, check the leaving payslip. 🍰👀

A bonus, unused holiday pay, commission or share awards could make it bigger than you expected.

Sounds lovely… but it could also change your tax position. 💷

Before handing in your notice, find out exactly what you’ll receive, when it will be paid and which tax year it falls into.

🎥 Richard explains what to check in this short video:

https://youtube.com/shorts/PlJ-hF_BYeY?feature=share

📋 Get our free Retirement Checklist:
https://claritywealth.co.uk/retirement-checklist/

📞 Want to talk through your retirement plans? Book a free, no-obligation initial call with Clarity Wealth Limited:

https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

Know someone counting down to their last day? Share this with them. 👋

General information only and not personal financial advice. Tax treatment depends on individual circumstances and rules can change.

📞 Want to understand what your own retirement could look like? Book...

13/10/2026

⚽ Proud sponsors of Bardsey Warriors U10s! 🙌

Four years of playing together, growing together and making memories — and now competing in Division 1 in the Garforth league. 👏

Clarity Wealth Limited are delighted to support the team, and I’m lucky enough to help coach them alongside Ben and Daniel.

A big shout-out to Ben in particular. He’s put so much time, effort and dedication into developing this team and helping the players grow in ability and confidence. There’s plenty of work people don’t see, and we really appreciate everything he puts into it. ❤️

Thank you to our brilliant parents too, for their support, encouragement and commitment — whatever the weather! ☔😂

Come on, Warriors! ⚽💪

10/10/2026

One more year at work… just to be safe.” 🤔

If retirement is getting closer, you’ve probably had this conversation with yourself. Possibly more than once!

Another year could mean more savings and less time drawing on your pension. But how much difference would it actually make? 📊

In my latest video, I compare £500,000, £750,000 and £1 million pension pots, looking at retiring at 60 versus waiting until 61.

The results aren’t quite what you might expect. 👀

And alongside the money, there’s something else to consider: what would you like to do with that year? 🌍👨‍👩‍👦‍👦

🎥 Watch the video:

https://www.youtube.com/watch?v=amC1mAjeeu0&t=32s

📋 Start with our free retirement checklist:
https://claritywealth.co.uk/retirement-checklist/

📞 Or book a free, no-obligation initial call with us:
https://calendly.com/d/cyd7-rsd-k98/initial-call-ga

At Clarity Wealth Limited, we help UK residents across the country explore their retirement options, with meetings over Teams or face to face.

Know someone who keeps saying “one more year”? Share this with them. 🙂

General information only and not personal financial advice. Projections are illustrative, depend on assumptions and are not guaranteed. Investment values can fall as well as rise.

📞 Wondering whether you could retire now, or whether one more year ...

29/09/2026

Counting down to retirement? 📅 Before you hand in your notice, give this a watch.

You might know when you want to stop working. But have you checked how your pension, tax and income will fit together afterwards?

In our latest video, Richard Platt from Clarity Wealth Limited explains seven things to consider in the final 12 months before retirement.

💷 Could you miss a valuable pension tax opportunity?
📄 Could your final payslip change your plans?
📉 Where would your income come from if markets fell?
🏡 And what do you want everyday retirement to look like?

Some decisions are worth tackling while you still have time to make changes.

🎥 Watch here:

https://youtu.be/KcgNrgPL-BQ

Our free Retirement Decisions Checklist is linked in the video description. 📥

Know someone preparing to retire? Feel free to share this with them.

General information only, not personal financial advice. Tax treatment depends on individual circumstances and rules can change.

Retiring in the next 12 months? These 7 UK retirement planning chec...

28/09/2026

Planning to retire in the next few years? 👀

We’ve just made our Retirement Planning Checklist available to download.

It’s designed to help you work through some of the decisions that can easily get missed as retirement gets closer, including:

💷 How much you may actually need
📈 What to think about in your final earning years
🏦 How pensions, ISAs and cash could work together
⚠️ What to check before consolidating pensions
📉 How to think about investment risk around retirement
🧠 And what you’re actually retiring to

It’s practical, easy to work through, and hopefully helps you spot any gaps before making big decisions.
📥 Download it here:

Questions? Call 0113 258 6000 From Richard Platt’s YouTube channel The Retirement Decisions Checklist Seven financial decisions to get right in the five years before you retire, plus the one that isn’t about money. Free to download, and yours to keep. Sign up to our newsletter and get your free ...

24/09/2026

🎥 New video coming next week…

If you’re hoping to retire in the next 12 months, there are some decisions you really do not want to leave until after you’ve handed in your notice.

💷 Final tax-year opportunities
📉 Market risk just before retirement
📅 The month you actually stop work
🧾 Your final payslip
🧠 And whether you’re mentally ready for retirement

In the video, I also show a simplified example where planning before the deadline could leave someone potentially £41,946 better off.

If you don’t want to miss it, subscribe to our YouTube channel here 👇

https://www.youtube.com/