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Finance · Personal finance

Planning Your Financial Future: A Guide to Later Life

Get to grips with the key money decisions that matter as you approach retirement and beyond. This practical course helps you understand pensions, savings, and how to make your income last, without confusing jargon.

45 min3 modulesBeginner friendly
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Free to take. This course does not use any Learning Credits.

What you’ll be able to do

By the end of this course, you will be able to create a simple, personal plan for managing your income, savings, and essential costs in later life.

Course outline

A clear route from first principles to practical confidence

  1. 01

    Understanding Your Retirement Income

    • Your State Pension: what you're entitled to and when to claim
    • Workplace and personal pensions: finding your pots and understanding your options
    • Other income sources: savings, investments, and part-time work
  2. 02

    Managing Your Money in Retirement

    • Building a retirement budget: essential costs, lifestyle spending, and unexpected bills
    • Making your savings work: tax-efficient accounts and safe withdrawal strategies
    • Dealing with debt and reducing housing costs in later life
  3. 03

    Planning for the Unexpected and the Future

    • Protecting your money: lasting power of attorney, scams, and insurance
    • Planning for care costs: what you need to know about funding support
    • Making a will and thinking about inheritance