Chris had just turned 55 and like most people, was wondering when he could afford to retire. Having been referred to Audley by a friend, we conducted a thorough review of his pensions and other assets. It was clear that Chris would not be able to retire until he was 60 if he wanted a certain standard of living. We set out a plan to save his excess income over the next five years, then he would be able to retire and use these funds to bridge his income shortfall until he received his State pension. Chris is looking forward to his retirement when he is 60.