My expert comments for The Times' Portfolio Therapy section
After 30 years working in healthcare, Stuart Pendlebury of Brighton, East Sussex, has seen a lot. Over the years he has held numerous jobs, from managing the private wing at Great Ormond Street Hospital in London to travelling the world to assess hospitals for Bupa. Now 58, Stuart is ready to put the brakes on his career. And while he is not quite ready to retire, he wants a quieter life. The experts’ advice: Scott Gallacher, chartered financial planner, Rowley Turton: “Given his NHS, Bupa and state pension, I’d suggest that Stuart might want to consider spending his savings and other pension funds now, utilising pension freedoms and/or flexible drawdown — subject to any income tax on the pension funds withdrawals. This way he can focus on enjoying those cruises now because who knows what tomorrow may bring.