What if you could see the impact of a decision before you made it?

Can I retire at 55? Could I afford to work less? Can I help my children now? What happens if markets fall? Will I run out of money? How much can I safely spend? What could I leave behind?

A Pinnacle LifePlan lets you look ahead, explore the possibilities and understand how the decisions you make today affect the life you want tomorrow

What is a Pinnacle LifePlan?

A Pinnacle LifePlan starts with you and your ambitions. It focuses on what you want your money to help you achieve, whether that’s retiring earlier, working less, supporting your family or simply feeling confident about the future.

We start with where you are today and what needs to happen to get you where you want to be. Using sophisticated forecasting software, we bring together your income, spending, pensions, investments and other assets to model your financial future and bring your plan to life. You can test different scenarios and understand the potential impact of decisions before you make them, helping you and your Adviser build a clear route towards your goals.

Ask your LifePlan the big questions

Can I retire five years earlier?
What if I sell my business?
Could I afford to give my children £100,000 now rather than leaving it to them later?
What happens if I need care?
How much can I spend in retirement without worrying about running out?
What if investment returns are lower than expected?
What could my estate be worth – and how much could be lost to Inheritance Tax?
Could I afford to take a career break?

What happens if you change just one thing?

Retire at 65 -> Retire at 60
Gift £100k at 85 -> Gift £100k at 65
Do nothing -> Start investing now
Sell the business at 60 -> Sell at 55
Spend £60k a year in retirement -> Spend £80k a year

LifePlan lets you model the decision and see the potential consequences throughout the rest of your life.

LifePlan in action

How much is enough?

Bring together income, assets, investments, pensions and spending to understand what your future could look like. The real question is not simply ‘How much money have I got?’ but ‘How much do I need to live the life I want?’

When can I stop working?

Retirement does not have to happen on an arbitrary birthday. Model different retirement dates, income requirements and spending patterns to understand what may be possible.

Can I afford to help my family now?

Why wait to leave an inheritance if your family could benefit from it when you are still here? The harder question is how much you can safely give away while allowing for your own retirement, longevity and possible care costs. LifePlan can help model both sides of that decision.

What happens if life doesn’t go to plan?

Illness. Redundancy. Divorce. Market falls. Caring responsibilities. An unexpected inheritance. A financial plan should not only work if everything goes perfectly. LifePlan allows your Adviser to explore different scenarios and adapt the plan as your life changes.

What will I leave behind?

Bring together your estate, pensions, investments and gifting plans to understand what you could leave behind and to whom. LifePlan can help you explore different choices, consider the potential impact of Inheritance Tax and create a legacy that reflects what matters most to you.

Your life will change. Your LifePlan changes with it.

A Pinnacle LifePlan isn’t something we create, hand over and forget. It becomes a reference point for the financial decisions you make throughout your life.

A new job. A business sale. An inheritance. A grandchild. Early retirement. A house move. A change in health.

Listen to Paul, a Pinnacle client explain the impact of expert financial advice and a Pinnacle LifePlan on his lifestyle.

What does a Pinnacle LifePlan include?

YOU: What you want your life to look like

LIFEPLAN: Models the possibilities

YOUR ADVISER: Helps you interpret the possibilities, make decisions and build the strategy

Our unique LifePlan technology helps model your future whilst our experts interpret the data and build your bespoke actionable plan.

What could your LifePlan reveal about your future?

Frequently asked questions about LifePlan

What makes Pinnacle LifePlan different from other financial forecasting software?

Pinnacle LifePlan is about much more than producing a financial forecast. The real value is the detail of the planning in combination of goal setting and the expertise that sits around it.

Your LifePlan is built with your Pinnacle Adviser around your life, ambitions and priorities. Together, you can explore different scenarios, challenge assumptions and see the potential impact of decisions before you make them.

That could mean asking: What if I retire five years earlier? Can I afford to help my children now? What happens if markets fall? Could I spend more in retirement? What might I leave behind?

And because your LifePlan is reviewed as your circumstances change, it isn’t simply a snapshot of your finances today. It’s a living financial plan designed to help you make better-informed decisions about tomorrow.

Can LifePlan show whether I might run out of money?

Yes. One of the most valuable uses of cashflow modelling is seeing how your income, spending and assets could change over a long retirement. Your Adviser can model different scenarios and identify potential shortfalls, giving you time to consider what action may be appropriate rather than discovering a problem much later.

Can it model Inheritance Tax and estate planning?

LifePlan can help illustrate how your estate could develop over time and explore the potential effect of different estate-planning decisions. This could include gifting during your lifetime and considering how much you may need to retain for your own future. Pinnacle describes legacy and protection strategies as integral parts of a typical LifePlan.

The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.

Can I see whether I can afford to give money to my children?

Yes. LifePlan can help you explore the effect of making a gift now rather than simply leaving money later. For example, you could model helping children with a house deposit and see how giving that money might affect your own future lifestyle, retirement income and financial security. SJP specifically highlights cashflow planning as a way of assessing how much someone can afford to gift while considering their longer-term needs.

What happens if my circumstances change?

Your LifePlan can change with you. A new job, inheritance, divorce, house move, earlier retirement, grandchildren or simply a change in what matters to you can all affect your plans. The assumptions and scenarios within your LifePlan can be updated so you can see what those changes could mean for your financial future.

How often is my LifePlan reviewed?

Your LifePlan forms part of an ongoing financial planning relationship rather than being a one-off exercise. Your Adviser can revisit it during your regular reviews and when significant changes occur, helping you see whether you remain on track and whether your strategy needs to evolve. Pinnacle describes the dedicated Adviser relationship as continuing through review meetings once the LifePlan is in place.

Is Pinnacle LifePlan only for people approaching retirement?

No. Pinnacle typically builds a LifePlan across 40–50 years, so it can be valuable at many different stages of life. That could mean protecting a young family, investing for the future, planning a career change, helping children financially, preparing for retirement or thinking about the legacy you eventually want to leave.

What is the difference between a financial plan and a Pinnacle LifePlan?

A financial plan sets out what you want to achieve and the financial strategies that could help you get there. Pinnacle LifePlan brings that plan to life visually. It combines cashflow modelling with your Adviser’s expertise, allowing you to explore different “what if?” scenarios and see how significant financial and life decisions could affect your future.