Reflect Financial Limited

Your business could be your biggest asset, but do you know how much it may really contribute to your retirement?

Many business owners expect the sale of their business to fund retirement, but its value can often be lower than expected. That’s why it’s important to build a bigger picture early.

Here are three steps to help you take action:

- Understand what drives the value of your business – factors like how dependent the business is on you, whether income is recurring, and how concentrated your client base is can all affect what it may be worth.

- Identify any gap early – knowing the value of your business sooner can help you spot any shortfall between what it could provide and what you may need for retirement, giving you more time to act.

- Take a more holistic view of retirement planning – your business is just one part of the picture, so it’s important to consider it alongside your personal wealth and wider financial plans.

Don’t leave it to chance. Understand the value of your business, know what you may need, and start planning early to close any gap.

If you’d like support identifying or bridging any gaps, get in touch with us today to see how we could help.

Reflect Financial Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 26/06/2026

Living longer is becoming more common, and that means retirement planning needs to go further too.

According to the Office for National Statistics (ONS), there were 15,330 centenarians in 2024, marking the first time the number has risen above 15,000. With more people than ever reaching their 100th birthday, it’s important to think carefully about how you plan for a longer retirement.

We believe there are three key stages to consider:

1. Understand what you’ll have
Start by checking the retirement income or pension pot you’re likely to have when you stop working. A State Pension forecast or our pension calculator can help you see if you’re on track and whether you may need to increase your contributions.

2. Decide when you want to retire
Next, think about when you’d like retirement to begin. You may want to delay it to build up your pension, or move into part-time work so you have more time for loved ones and hobbies while still contributing.

3. Think about how you’ll access your pension
Finally, decide how you’ll use your pension in retirement. An annuity can provide guaranteed income for life, but it’s usually irreversible and may offer less flexibility to leave money behind for loved ones.

Planning ahead can help you feel more confident about your future -whatever shape your retirement takes.

You can find out more about retirement planning here: https://www.reflectfp.co.uk/advice-and-services/retirement-planning

Reflect Financial Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 26/06/2026

After weeks riding high in the headlines, technology giant SpaceX finally went public with a record $1.77 trillion valuation.

Shares were made available to the public but views on whether it was worth taking a bet on Elon Musk’s space and AI company were split.

But with AI companies such as Anthropic and OpenAI looking set to follow SpaceX with their own trillion-dollar listings, we take a closer look at what the latest developments mean and answer some of your questions.

Find out more here: https://www.reflectfp.co.uk/article/detail/sjpp/does-spacex-have-a-moonshot-of-justifying-its-price.html