Are You on Track for Retirement? Let’s Talk Pensions with Tony Ross

Today we’re diving into a topic that many people avoid until it’s too late: pensions! how they work, what’s changing, and how to plan properly for the future. I’m joined by Tony Ross, Chartered Financial Planner and founder of Velocity Financial Planning. With over 15 years of experience, Tony specialises in guiding people through the major life transitions that shape their financial decisions. In this episode, we cover the 2027 pension changes, inheritance tax concerns, annuities, drawdown worries, defined benefit transfers, and the mindset shift from saving to spending. If you’ve ever wondered whether you’re on track or what “on track” even means, this one’s for you.