‘I discovered I could retire straight away’

If achieving financial freedom looks out of reach, get a second opinion. You might be surprised Robert Pelley sought the help of an adviser at the beginning of 2020 to explore retiring from

Robert Pelley sought the help of an adviser at the beginning of 2020 to explore retiring from his job as a computer software specialist in a few years.

He’d not worked with Madeleine Sunley before, an independent financial planner and the founder of Blueberry Financial in Ascot, but it proved an ideal match.

“I was pleasantly surprised to hear – after a comprehensive chat and analysis of my pensions, savings, assets and aspirations for lifestyle in retirement – that I could retire straight away if I wanted to,” says Bristol resident Robert, 58.

He went ahead with Madeleine’s recommendations to consolidate his workplace pension schemes built up from employment over the years. This meant his savings were in the right place to maximise potential growth and get him ready for retirement. Robert decided he was happy to continue working but when the pandemic hit, and after months of lockdown, that mindset changed.

“I lost the motivation and enthusiasm for work – like many others, I’m sure – and in August, with more lockdowns on the horizon, I decided to retire. I was glad I’d sought advice when I did and that everything was in place.” Robert started taking a monthly income from his pension, as well as a one-off lump sum for a new car.

Madeleine highlights how the pandemic has changed a lot of plans. “Robert’s situation shows how it’s made many people focus on what is really important in their lives, leading to changes in their retirement plans. Financial advice is more than just pensions and investments; it is crucial in helping you make the right decisions for your life, showing what is possible and helping you take the action to live the life you want.”