Does your retirement plan pass the three tests that actually matter?

Most plans I review fail at least one. After 25 years of reviewing pension strategies across every pot size, I see the same patterns — an income gap nobody planned for, tax being paid that didn't need to be, and withdrawal rates that won't survive a market crash.

In this episode, I walk through all three tests: the income gap test across the four phases of retirement, the tax efficiency test most people get wrong with their 25% lump sum, and the stress test that checks whether your plan survives bad timing. I show you what a passing plan looks like and exactly how to fix a failing one.

With over 25 years advising individuals and major organisations on pensions and retirement, I've seen how failing even one of these tests can quietly turn a comfortable pot into a shortfall.

Watch this episode in full on our YouTube channel: https://www.youtube.com/@retirementandmoney