Semi-retirement guides
Plain-English help for the practical side of working less before you stop: your rights at work, what happens to pay and pensions, and the words you will keep bumping into. Each guide shows its sources.
All guides
Semi-retirement in the UK: gliding, not jumping
What semi-retirement means, how the money works, and how to plan a gradual glide.
Read the guide → PensionsPhased retirement in the UK: how to step down gradually
Cutting your hours, taking pensions in stages, and the tax traps to avoid.
Read the guide → PensionsHow to find a lost pension in the UK
A free, step-by-step way to track down old pensions, and the scams to avoid.
Read the guide → WorkHow to ask your employer to reduce your hours
Your rights, how to prepare, what it does to pay and pension, and a copy-ready request letter.
Read the guide → WorkWorking 4 days a week before retirement
Asking your employer, what it does to pay and pension, and how it feels.
Read the guide → State PensionHow to check your State Pension forecast
A five-minute walkthrough, and how to spot gaps in your National Insurance record.
Read the guide → ReferenceRetirement and pension glossary
40 UK retirement and pension terms in plain English, from annuity to UFPLS.
Read the guide →Put the numbers to work
The guides explain the rules. The tools show what they mean for you.
Guides give general information and guidance, not financial or legal advice. For free, impartial help with pensions, visit MoneyHelper.