Make Work Optional Scorecard
How close are you to making work optional?
Twelve questions. Three minutes. A clear view of where you stand, before you speak to anyone.
- Your Work Optional Score, out of 100
- Where your plan depends on things you don’t control
- The first things to focus on
Building Optionality
Strong foundations, with a few important gaps between your wealth and real choice over work.
Example result
Work optionality
72
Employer & business wealth
48
Life & wealth strategy
70
Focus first: too much of your plan relies on your next vest or payout.
Real clients, real stories
What happens when the plan finally connects
For the first time, we feel completely in control like everything finally connects.
Josh and Mandy
Josh and Mandy had over £750k in pensions but no clear idea if they were financially secure.
Together we built a plan to make work optional within five years, restructured their pensions & created clarity around what they really needed.
They now contribute £3,000/month to pensions, saving over £40k in tax & feel confident increasing their travel without compromising their future.
We earn well but finally have a strategy that connects everything together.
Dave, senior executive
Dave, a senior exec earning over £260k (mostly in RSUs), wanted to know if work could be optional by 60.
We mapped out their full financial life, optimised investments & protected income including the RSU portion.
Now, their projected retirement assets have grown from £1m to £2.5m, and they're spending more freely while knowing their future is secure.
My only regret? We should have got this advice 10 years earlier.
Julia and Mark
Julia and Mark wanted to stop work at 60 without sacrificing their lifestyle today.
We built a plan around what mattered most, including setting up SIPPs to buy commercial property, unlocking £37,500 in tax savings, and reshaping their pensions for long-term flexibility.
Now, Mark has stepped back from his business. Julia feels empowered to grow hers. And they're planning a holiday home in Spain with total confidence in the future.
