Most people think they have to work until their State Pension age… 67, 68… whatever the letter says. But here’s the truth: Your retirement age isn’t set by the government — it’s set by your numbers. You can retire earlier if: • your pensions and savings can bridge the gap • your lifestyle is sustainable • you understand what income you really need So many people only realise this once they see their cashflow plan… and suddenly the finish line moves closer, not further away. Retirement isn’t an a