7th October 2025

Financial independence means working becomes optional, not essential Diversifying income beyond pensions offers lasting security and freedom A clear plan helps you align your later life with your long-term goals 

Retirement used to mean the end of working life, but that’s definitely no longer the case. People are living longer, staying healthier and keen to make the most of the time they have left. That’s where financial independence comes in. 

What does financial independence mean? 

Financial independence means having enough income from your assets, investments or part-time work to cover your desired lifestyle, without relying solely on a pension. It gives you the flexibility to keep working if you want to, or to pursue hobbies, travel, or even launch a second career. Essentially, it’s about choice, not just having enough to get by. 

Rethinking retirement 

The real goal of financial independence isn’t to stop working altogether, it’s to reach a point where working becomes optional. It’s about building a level of financial security where your investments and other income sources can comfortably support your lifestyle. Whether your income comes from rental properties, shares, or business interests, diversifying your income sources can help reduce reliance on any single pot of money, like your pension. The key is that your money is working for you, not the other way around. 

Planning for freedom 

Achieving financial independence takes careful planning. It means living within your means, saving and investing consistently, and having a clear idea of the life you want in later years and what that life will cost. Whether you want to slow down or simply shift direction, financial independence gives you the power to choose. 

We can help build a plan around your goals, ensuring you have the income and flexibility to live life on your terms, for as long into your later years as you want. 

The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not a guide to future performance and past performance may not necessarily be repeated.