Mid-career is the point where avoidance becomes expensive. Earnings are often at their highest, but so are competing demands — university costs, ageing parents, peak mortgage years, and the slow realisation that retirement is closer than it felt.

This session helps people in their 40s and early 50s spot where they stand, stop avoiding the gap, and take deliberate action while there is still time to course-correct.

By the end of this session, attendees will be able to:
1. Assess whether they are broadly on track for retirement using simple benchmarks
2. Understand why the higher-earning years are the most powerful window for pension catch-up
3. Identify the common mistakes that prevent mid-career workers from making progress
4. Apply the tax efficiency opportunities available through pension contributions at this stage
5. Leave with a concrete short list of actions to improve their retirement position before it is too late

Vignas (Vig) Gunasegaran CFA FPFS - Director, Redbridge Financial Ltd

Vig is a Chartered Financial Planner and Director of Redbridge Financial, an independent financial planning firm based in Hertfordshire.

He holds both the Chartered Financial Analyst(CFA) designation and Fellowship of the Personal Finance Society (FPFS).

He specialises in later life financial planning and vulnerable beneficiary trust work,supporting individuals and families through some of the most important financial decisions of their lives — pensions, estate planning, retirement income, and long-term financial security.

His approach is built on clarity. Financial decisions rarely fail because the maths is too hard; they fail because the choices feel too complex, the language too technical, or the timing too uncertain.

Vig works to remove those barriers, helping people understand not just what their decisions involve, but what they mean for the life they want to build.

Redbridge Financial Ltd is an appointed representative of Corbel Partners Limited, authorised and regulated by the Financial Conduct Authority.