The Pensions and Lifetime Savings Association (PLSA) recently updated their figures on what it takes to enjoy a moderate retirement:
💷 £31,700 per year for a single person
💷 £43,900 per year for a couple
This covers:
🚗 A modest second-hand car replaced every 7 years
✈️ A 2-week 3-star all-inclusive holiday in the Med
🇬🇧 One UK weekend break per year
Not extravagant—just comfortable.
Yet the full state pension (currently £12,014 per year) leaves a substantial gap. And it’s only available from age 66, with that threshold rising.
For professionals in their 30s, 40s or 50s—especially those living and working in Surrey—this is a critical moment to reflect:
✅ What kind of lifestyle do I want in retirement?
✅ When do I realistically want to stop working?
✅ Am I building enough wealth now to secure that future?
✅ How much is “enough” for me?
At Willowhurst Financial Planning, we work with hard working people like you who want to take control of their future—without guesswork.
📍 Based in Surrey🤝 First consultation at no cost to you 🌐 www.willowhurst.co.uk
Let’s build the retirement you choose—not just the one you default into.
This article is for information purposes and does not constitute financial advice, which should be based on your individual circumstances.
The value of pensions and any income from them can fall as well as rise. You may not get back the full amount invested.
