Helping you retire with clarity, confidence and a plan that reflects your values.

Retirement Isn’t the End of Planning. It’s the Start of Financial Freedom.

You’ve worked hard. You’ve built up savings, pensions, and investments. But the question that often comes next is: Now what?

At Goodall-Smith Wealth Management, we specialise in retirement cashflow planning for individuals and couples in Berkshire. Whether you’re five years away from retiring, just retired, or planning to downshift your work-life balance, we help you make decisions that support the lifestyle you want and the legacy you’d like to leave behind.

What Is Retirement Cashflow Planning?

Retirement cashflow planning uses detailed financial modelling to help you visualise your future income, spending, savings, and goals – year by year.

It answers questions like:

• Can I afford to retire at 60?
• How long will my money last?
• Can I gift money to my children or grandchildren now – or should I wait?
• Should I take my pension now, or wait for a higher value?
• Can we afford that big holiday next year?
  

This is not about budgeting every penny. It’s about clarity and control – knowing when you can spend more, when to pull back, and how to make your money last in a way that aligns with your values.

A Retirement Plan Built Around You

Our approach to retirement cashflow planning is grounded in balance.

Know When to Spend

Enjoy the fruits of your labour. We’ll help you identify windows of opportunity to travel, spend more freely, or support family – without worrying about running out.

Know When to Save

We help you plan for tax efficiency, unexpected costs, and future needs like care, relocation or helping children buy homes.

Know What You Want to Pass On

Whether you want to leave a meaningful legacy or simply ensure you don’t become a financial burden, we’ll help you make a plan for inheritance, trusts, or lifetime gifts.

Why Retirement Cashflow Planning Matters – Especially in Berkshire

With rising living costs, longer life expectancies, and more flexible retirement options, retirees in Berkshire face new financial questions that didn’t exist a generation ago. You may be managing:

• Multiple pensions (workplace, private, SIPPs)
• Property wealth
• ISAs and investment portfolios
• Aspects of business exit strategy planning
• Gifting plans for children or grandchildren

We’ll bring everything together into one, easy-to-understand financial picture.

Why Clients Trust Goodall-Smith Wealth Management

We’re proud to be an established, approachable, and locally rooted wealth firm here in Berkshire.

• Authorised, Chartered advice
• Plain-English explanations – no jargon
• Fully tailored planning, not templated models
• Empathetic and experienced in life transitions
• Ongoing reviews to adjust your plan over time
  

Our clients range from busy professionals approaching retirement to solo retirees navigating a new phase of life. What they have in common is the desire to make informed, thoughtful choices.

What You Can Expect From Our Process

1. Discovery

We get to know your values, income needs, future goals, and concerns.

2. Data Gathering

We collect details on pensions, investments, assets, liabilities, and lifestyle spending.

3. Modelling Scenarios

We’ll create easy-to-understand visual projections, testing different retirement options: early retirement, downsizing, gifting, investing, or care needs.

4. Planning + Adjustments

We walk you through the results and agree on a plan that fits your life and aspirations.

5. Ongoing Support

We’re with you each year to adapt your plan as life evolves.

Start Your Retirement Planning Journey Today

Whether retirement is right around the corner or a few years away, now is the time to understand your numbers and create your roadmap. It’s never just about the money – it’s about living well, feeling secure, and passing on your values.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.