Many people think retirement planning can wait, but the earlier you start, the greater the benefits. Life decisions like buying a home, changing careers, or reducing work hours all affect your long-term financial picture.
Early planning helps you understand these impacts, harness the power of compounding, and avoid shortfalls later. With the cost of a ‘comfortable’ retirement rising, acting sooner gives you flexibility, peace of mind, and the chance to make adjustments while your earning potential is highest. Good financial planning isn’t just about the future – it helps you make confident, informed choices for today too.
Read the full Q&A in The Scotsman here.
Editor’s Notes
Published in Scotsman Money 1st September 2025
The information provided is the opinion of Wendy Morrison, Associate Financial Planner at Acumen Financial Planning
SpringGen Advice Ltd, 928966, is an appointed representative of Acumen Financial Planning Ltd, which is authorised and regulated by the FCA, FRN 218745. Please be aware that tax planning and tax advice are not regulated by the Financial Conduct Authority.
The content within this guide is for information purposes only and should not be looked upon as advice or recommendation.
