Insights · Quiet notes for over-55s
We publish four or five times a year. Each piece is read out loud at the desk before it goes online, to make sure it explains itself to a friend over coffee.
The 2.5% statutory dividend is still working in the background after you turn 55. Understanding the partial-withdrawal mechanics keeps the compounding alive without losing access to the cash you actually need.
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A look at how STR is calculated for seniors, the three places household composition errors creep in, and the surprisingly forgiving 18-month appeal window for missed cycles.
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Twelve documents and two short conversations worth having before your first consult — drawn from a thousand kitchen-table visits since 2019.
Read the noteIf something on the page doesn't quite match your situation, an advisor would rather you ask than guess.
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