Most people approaching retirement focus on the size of their pension pot. The smarter question is what that pot can actually do — how long it needs to last, what income it can sustain, and what choices are still available.

This session helps those in the final working
decade understand what good pre-retirement planning looks like in practice, and how to avoid the decisions that reduce flexibility at the worst possible time.

By the end of this session, attendees will be able to:
1. Translate pension pot value into realistic retirement income expectations
2. Understand the key risks that emerge in the decade before retirement — sequencing,inflation, and longevity
3.. Identify the decisions that most significantly affect retirement outcomes in the final working years
4. Describe the options available for phasing into retirement and what each approach means financially
5. Understand how state pension timing and the current policy environment affects their retirement income picture
6. Leave with a pre-retirement checklist covering the areas most people overlook

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.