Sequencing risk

Experienced craftsperson guiding an apprentice while transitioning into retirement through a mentoring role.

7 July 2026

Phased retirement: How to bridge work and financial freedom

Phased retirement offers a flexible route between full-time work and retirement, helping you manage income, tax, lifestyle, and pension planning while transitioning gradually towards greater financial freedom.

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Retired woman carrying a surfboard on the beach, symbolising financial confidence and retirement planning despite market volatility.

3 July 2026

Why market falls early in retirement can affect your long-term plans

Early market downturns can have a bigger impact on retirement than many people realise. Chartered Financial Planner Rayna Stoyanova explains sequencing risk and how careful planning may help protect future income.

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1 May 2026

How to protect and plan your retirement income in the first five years

Learn how to protect and plan your retirement income in the first five years, manage risks like sequencing, and build a sustainable, tax-efficient strategy for long-term financial security.

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