FAQ – Real Retirement Advice
Real Retirement Talk
Hi, I’m Sanjay, founder of Wealth Point. I hold a Diploma in Regulated Financial Planning, as well as multiple Chartered level qualifications such as Private Client Advice with the Chartered Institute for Investments and Pension Transfer Advice with the Chartered Insurance Institute and I’ve helped countless people like you to plan for their retirement
Chances are, like them, you’ve spent decades building your career, growing your assets, and providing for your family. But now, with retirement on the horizon—or already here—you’re left asking: What now?
- Do I really have enough to retire?
- Will I outlive my money?
- Are my pensions and investments working for me?
- How do I know I won’t become a burden on my family?
If you’re like many of our clients, you’ve tried to make sense of it on your own. You’ve scanned articles, downloaded spreadsheets, maybe even met with an advisor. But despite the effort, the big questions still linger. And the stakes are simply too high to guess.
So, why are so many people still in the dark, even with advisors?
The real challenge isn’t a lack of financial products or advice. It’s clarity.
Most people “don’t know their number” — the amount of money they truly need to live the life they want without running out too soon or leaving too much behind.
They’re overwhelmed by information, unsure about market risks, juggling scattered pensions, and confused by ever-changing legislation. Worse still, many have had bad experiences with financial advisors who overpromised and underdelivered.
So, they delay. Or they do what they’ve always done. And in doing so, they risk missing out on the very life they’ve been working for.
The Solution Is A Holistic, Values-Aligned Approach to Retirement Planning
Forget vague projections and rigid financial products. True peace of mind comes from knowing your number — and having a clear, tailored plan to get there.
Our approach centres around three foundational principles:
One – Know Your Number
We help you calculate exactly how much you need – not just to survive, but to thrive. This includes segmenting your retirement into go-go, slow-go and no-go years, giving you the confidence to enjoy the journey without financial anxiety.
Two – Avoid Both Extremes – Too Little or Too Much
Having too much at the end can be just as damaging as not having enough. Regret, missed experiences, and unused resources are common outcomes. We help you find your balance – so you can make memories, support loved ones, and contribute meaningfully, while you’re still healthy and active.
Three – Plan for Real-World Variability
Market volatility, economic shifts, legislation changes — we factor it all in. Using sophisticated models (not just spreadsheets), we map potential scenarios and stress test your plan. This means you can make better decisions today, and adapt with confidence tomorrow.
Introducing: TheWealthPoint Method
We’ve developed a strategic framework that empowers individuals and families to retire with clarity and purpose. Our service isn’t about pushing products — it’s about providing tailored, ongoing financial guidance rooted in real understanding.
This includes:
Bespoke financial modelling – not just one scenario, but a range of outcomes.
Ongoing communication – we stay proactive, not reactive.
Aligned with your dreams – from helping your children to giving back to society, your plan will reflect what matters most to you.
Most importantly, our clients finally feel confident that they’re on the right path — financially and personally.
There is nothing more satisfying than solving our clients problems:
Like the couple in their late 50s that had multiple pensions but no clear picture of what it meant for retirement. We consolidated their view, optimised their investments, and helped them retire 3 years earlier than expected – without compromising on lifestyle.
Or the 60-year-old executive that had more than enough saved, but didn’t realise it. He continued working out of fear. Once we calculated his number and stress-tested it, he confidently transitioned into part-time consultancy and finally took that long-awaited round-the-world trip with his partner.
Then there was the high-net-worth individual that came to us wary and sceptical after a negative experience with a previous advisor. Within months, we had built trust, crafted a personalised action plan, and helped her set up a charitable giving fund — one of her lifelong goals.
What do all these people have in common? They took the proactive decision to take control of their retirement plan and got in touch.
You’ve done the hard part — you built the wealth. Now it’s time to make it work for you.
Book your complimentary discovery call today, and we’ll prepare a Retirement Confidence Report — tailored to your current situation and goals.
No jargon. No hard sells. Just clear, professional guidance to help you live the retirement you’ve earned.