How much you need for retirement is a highly personal question, with no single figure that suits everyone. With more flexibility than ever in how people retire, effective planning starts by understanding the lifestyle you want and how your finances can support it.
In a recent Q&A in The Scotsman, Chartered Financial Planner Andrew Sutherland explains that your retirement needs will depend on factors such as spending expectations, other income sources like the State Pension or defined benefit schemes, and how long your retirement may last. Many people live well beyond average life expectancy, making careful, forward-looking planning essential. A robust financial plan provides confidence that your money will last as long as you do, allowing you to focus on enjoying retirement.
Read the full Q&A in The Scotsman here.
Editor’s Notes
Published in Scotsman Money 2nd February 2026.
The information provided is the opinion of Andrew Sutherland, Chartered Financial Planner and should not be considered advice.
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