Andy Bonner Yorkshire Wealth Planner

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Andy Bonner Yorkshire Wealth Planner Yorkshire-based financial planner sharing clear, educational insights about pensions, retirement and later-life financial decisions.

Helping make complex topics easier to understand. Information shared is general and not financial advice.

15/10/2026

If you’re approaching retirement, don’t just look at your pension balance.

I’d want to understand:

1. Pensions
2. Other investments
3. Desired income
4. State Pension
5. Current spending

Those numbers start to tell the story.

The pension pot on its own doesn’t.

General information only, not financial advice.

07/10/2026

Your pension balance is an important number.

But it isn’t a retirement plan.

If you’re approaching retirement, the more useful question is probably:

“Does what I’ve got support the life I want?”

That means looking at income, pensions, investments, State Pension, spending and how long the money may need to last.

It’s much bigger than the number on your pension statement.

General information only, not financial advice.

05/10/2026

Financial protection isn’t one-size-fits-all.

Income protection, critical illness cover and life cover can all provide protection, but they’re designed to deal with very different situations.

The important bit is understanding what each one is actually designed to do, and whether it’s relevant to your own circumstances.

A few simple questions to think about:

• What happens to your income if you couldn’t work?
• What financial impact could a serious illness have?
• Who would be financially affected if you weren’t around?

This is general information and not financial advice.

Save this post if it’s something you want to come back to.

21/08/2026

Before financial planning, I was a personal trainer.

Different industry, same core problem: people know what they should be doing, they just don’t always do it consistently.

That’s still the job now, leas talk about protein, more pension contributions.

This is a general observation about financial planning as a discipline, not advice on your personal circumstances.

If something here resonates, a conversation is the next step, not a decision.

Want to know what an Individual Savings Account (ISA) is? Scroll through for more detail.
18/08/2026

Want to know what an Individual Savings Account (ISA) is? Scroll through for more detail.

20/05/2026

15 million people in the UK are under-saving for retirement.

That’s not a prediction, it’s the finding from the government’s own Pensions Commission, published this week.

Their interim report highlights the groups most at risk: low and middle earners, the self-employed (where just 1 in 25 is saving anything), women, carers, and those in the gig economy.

Perhaps most striking: the minimum auto-enrolment contribution has quietly become the norm, not the floor it was designed to be.

Final recommendations won’t come until 2027. But the conversation needs to happen now.

If you’re not sure where you stand, MoneyHelper offers free, impartial guidance at no cost and with no obligation: moneyhelper.org.uk

08/05/2026

A lot of people think financial confidence comes from having everything perfectly organised.

In reality, it often starts much smaller than that.

Sometimes confidence comes from simply understanding:

• where things are
• what matters most
• what still feels uncertain

You don’t need every answer immediately.

Clarity tends to build gradually, often through better conversations and more organised thinking.

Financial wellbeing is rarely about perfection.
More often, it’s about understanding your own situation more clearly.

This content is for information only and does not constitute financial advice.

28/04/2026

The decision nobody prepares you for. 👇

Annuity vs drawdown vs a blend, most people facing retirement have never had this properly explained to them.

And the reason so many people freeze isn’t because it’s too complicated.

It’s because they’ve never been asked the right questions.

↓ Three worth sitting with:

1. How much certainty do you need and is that worth more to you than flexibility?
2. Do you have other income that already covers the basics?
3. How do you feel about staying invested once you stop working?

Your answers change everything.

Save this if retirement is on your radar. And drop a question in the comments, I’ll do my best to point you in the right direction.
—
For information only. Not financial advice. Individual circumstances vary.

20/04/2026

Everyone wants a number that tells them they’ll be okay in retirement.

The problem is, that number doesn’t exist.

Retirement readiness isn’t just about the size of a pension pot. It’s about four things that are completely personal to you:

- What will your life actually cost in retirement?

- What’s your state pension entitlement? (Free to check on Gov.UK)

- When do you want to stop working? And how flexible are you on that?

- How much flexibility do you have with the money itself?

When you understand those four things, the number starts to make sense.

What questions would you add? Put them in the comments.

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

15/04/2026

Five questions worth asking yourself if you’re in your 50s 👇

Most people never do and it’s not their fault.

Nobody tells you where to start.

This one’s for anyone who’s wondered whether they’re on track but hasn’t quite known what to look at first.

Educational content only, not financial advice.

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