Lock Financial Services

Lock Financial Services Chartered Financial Planner based in South Wales
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We are 🌟 DELIGHTED 🌟 to be shortlisted as finalists in The UK Small Business Awards 2026, in the Best Business Startup ...
15/07/2026

We are 🌟 DELIGHTED 🌟 to be shortlisted as finalists in The UK Small Business Awards 2026, in the Best Business Startup Category!

💬 “We’ll Deal With It Later”Retirement might feel a long way off… but the reality is many people aren’t as prepared as t...
15/06/2026

💬 “We’ll Deal With It Later”

Retirement might feel a long way off… but the reality is many people aren’t as prepared as they think.

📊 Around 43% of working‑age people in the UK are under saving for retirement*.
= That’s millions of people potentially facing a significant drop in income later in life.

And when you look at the numbers:

➡️ The average single pensioner income is around £14,644 per year**

➡️ The full State Pension is roughly £12,500 a year

👉 For many, that’s far below what they may need to have ‘few or no money worries’.

The key isn’t just saving, it’s understanding what your future could look like and taking steps early enough to improve it.

Planning ahead could help you:

✔ Close any retirement income gaps
✔ Make the most of tax-efficient savings
✔ Retire with more confidence and flexibility

Retirement planning doesn’t need to be complicated but it does need to be intentional.

If you want to sense-check where you’re at or start putting a plan in place, feel free to get in touch on 02920 039111 or drop me a message.



*when measured against a percentage of pre-retirement earnings (the average over ages 50 to State Pension Age) an individual would need to replace to meet an adequate income in retirement. (from gov.uk)

**(from unbiased.co.uk)

This post is for information purposes only and does not constitute financial advice. The financial conduct authority does not regulate tax-planning.

The value of pensions and the income they produce can go down as well as up and you may not get back the full amount that you originally invested.

The content in this article was correct on 11/06/2026.

Last month's event at our offices at Cobalt went amazingly well, thank you to all who supported and came along to celebr...
10/06/2026

Last month's event at our offices at Cobalt went amazingly well, thank you to all who supported and came along to celebrate my 14 year journey from admin/office junior, paraplanner, Chartered Financial Planner and now director of Lock Financial Services!

Also thank you to Stu Rowles for the photgraphy! Stu Rowles Photography

👉Significant life events often bring financial issues and complexity.This could be anything from: 🏠moving home👨‍👩‍👧‍👦sta...
11/05/2026

👉Significant life events often bring financial issues and complexity.

This could be anything from:

🏠moving home
👨‍👩‍👧‍👦starting a family
👨‍🔧changing careers or
🎊approaching retirement.

All these transitions could potentially affect your long-term financial trajectory.

It's why nearly one in two people seek some sort of financial advice according to The Real Life Advice report in 2025.

Pivotal moments of change are often the right time to take a pause; reflect on your strategy to ensure it still aligns with your goals.

Pivotal moments like those mentioned above are where financial planning may be crucial in building a strong resilient plan tailored to your personal situation.

This post is for information purposes only and does not constitute personal financial advice.

Information is correct as of 24/03/26

Address

389 Newport Road
Cardiff
CF241TP

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+447377891583

Website

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