The Pyrford Financial Planning Blog

Guyton-Klinger guardrails aim to improve upon Bill Bengen's seminal research. Should retirees use this framework? What are the downsides?

We take a deep dive into all things factor-related. Performance over the past 20 years hasn't been great. So why do we stick with it?

The S&P 500 has generated strong returns over the past 15+ years. But should you invest all of your retirement savings in this index?

Investing is simple but not easy. We identify ten things to consider that will help you have a better retirement outcome in 2026.

In 2008, Warren Buffett wagered that the S&P 500 would outperform a basket of hedge funds over the decade. What can we learn from this?

Choosing the right financial adviser to help with your retirement planning is one of the most important decisions you will make.

We help you calculate what you are paying for your retirement planning and financial advice, and whether you are getting good value.

Are you using the '4% rule' for taking retirement income? In this article, we investigate the many challenges to consider.

Many retirement planning concepts claim to offer beneficial retirement outcomes. This post aggregates our research.

Annuity rates continue to increase. We examine the impact of incorporating an annuity into a retirement plan and what to be aware of.

Pyrford Financial Planning achieves the prestigious CISI Accredited Financial Planning Firm™ status, one of only 55 firms in the UK!

St James's Place's long-awaited new fee structure has finally arrived. We examine what has changed and what potential clients need to be aware of.

Reports of St James Place's poor performance and high fees regularly feature in the press. Is this criticism justified?

Retirement researcher Bill Bengen found that the optimal retirement portfolio contains 50-75% equities. Are 100% equities a better option?

Risk-based guardrails aim to address the many shortcomings of the Bengen and Guyton-Klinger approaches. We examine how this approach fares.

How much does a retiree need to save for a moderate retirement? And why a larger retirement pot doesn't always provide the best outcomes.

Recent research suggests that a comfortable retirement for a couple costs around £60,000 a year. What size retirement pot do you need to fund this?

Autocallables are often sold as a way of receiving a steady income with limited downsides. We investigate to see if there are downsides.

Surely successful investing outcomes require complexity? The No-Brainer portfolio shows why this isn't necessarily the case.

Cash buffers are often suggested as a way of mitigating Sequence of Returns Risk. Do they work, or are they more of a chocolate teapot?