In this episode, Nick speaks with Sarah Davies, who shares her deeply personal journey from financial insecurity to confidence.

Starting serious financial planning in her 40s, Sarah reflects on how advice changed her mindset and her retirement. Together they explore emotions around money, the importance of financial education, and why taking control later in life is not too late. A heartfelt conversation that many will relate to.

When COVID hit, Rupe had just ended a long career in IT sales. What followed wasn’t a traditional retirement; it was reinvention.

In this warm and witty episode, Rupe shares his unexpected post-career path: from shelf-stacking at Tesco to running village events and helping others find purpose. A candid, often humorous look at how retirement can be a beginning, not an end.

When a loved one needs care, the decisions can feel overwhelming. In this episode, Nick speaks with Gemma Locke from Trinity Homecare about navigating care options, at home or in a care home and how families can make confident choices before crisis hits.

Learn how early planning, live-in care, and emotional support can ease the journey for everyone involved.

Paying for care in later life can feel overwhelming but it doesn’t have to.

In this episode of The Retirement Lounge, Chartered Financial Planner Nick Hutchings explains how care is funded in the UK, covering:

• Local authority assessments

• Care fees annuities (immediate and deferred)

• Self-funding thresholds and asset limits

• The value of specialist financial advice

Whether you’re supporting ageing parents or thinking ahead for yourself, this episode offers clear, calm guidance for navigating one of retirement’s most sensitive topics.

What do you do when life throws you a curveball in your 50s or 60s?

In this episode, Nick talks with coach and broadcaster Sheila Docker about midlife reinvention, maintaining your identity, and building the strength, physical and emotional, to move into your next chapter with more purpose and clarity.

Whether you're thriving or reassessing, this episode offers straight-talking guidance for whatever comes next.

Should you buy an annuity or stick with drawdown?

In this episode, Nick Hutchings breaks down the pros and cons of both, explains how your values and lifestyle affect your choice, and shares real-world examples to help you make a more confident decision.

No one-size-fits-all, just clear, calm insight for your retirement planning.

Before we dive into the how-tos of retirement planning, there’s a more important question to ask: what does retirement actually mean to you?

In this opening episode, host Nick Hutchings reflects on how the meaning of retirement has evolved over the past few decades—and why defining it for yourself is the most powerful first step you can take.

You’ll hear about the diverse ways people describe retirement in Nick’s work as a Chartered Financial Planner, and why unclear expectations can lead to what he calls “analysis paralysis.” Whether it’s freedom, purpose, or simply rest you’re after, this episode will help you get clear on what you’re really planning for.

In this episode:

• Why the “old school” view of retirement no longer fits

• The risk of retirement without a vision

• Real-life examples of how different people define it

• Nick’s take on how you can build a version of retirement that actually excites you

Ready to rethink retirement? Let’s begin.

🎧 Listen now and start shaping a future you’re excited about.

Retirement isn’t just a financial milestone—it’s an emotional journey. In this episode, Nick Hutchings explores the often-overlooked emotional aspects of retirement and why planning for them is just as crucial as budgeting or investment.

From identity loss and shifting routines to changing relationships and mental health challenges, Nick shares heartfelt insights and personal stories that help you prepare for the psychological transitions ahead. You’ll hear practical thoughts on topics like:

• The loss of purpose and how to rediscover meaning

• Coping with boredom, regret, or a lack of structure

• Navigating marital changes and evolving family dynamics

• Managing anxiety, depression, or fears around ageing

• The paradox of too much free time

Whether you're on the cusp of retirement or already navigating it, this episode offers a compassionate, clear-eyed look at what to expect emotionally—and how to prepare with intention.

🧭 “It’s not just what you’re retiring from—but what you’re retiring into—that makes the difference.”

👉 Listen now and start planning not just for your future lifestyle, but for your future self.