The Landing Plan is a printable, step-by-step run-up to your last day at work. What to sort out, when to do it, and which decisions you can still undo afterwards. Written for the UK, in plain English, to be filled in with a pen at the kitchen table.
Because every workplace has someone who kept saying he’d go next year — and then something decided it for him. The people who finish well are almost never the ones with the most put away. They’re the ones who knew what had to happen, and in what order.
It’s rarely about the money. People who could comfortably stop say it anyway — and then say it again the following year. There’s even a name for it in the forums where people work this out between themselves: stuck on the glide path, unable to land.
What keeps someone there isn’t ignorance and it isn’t arithmetic. It’s not being able to say, with any confidence, right — I can actually go now. So the date slides, quietly, one year at a time.
And the thing people end up regretting is never the money they didn’t make. It’s the year they spent at a desk while they were still fit enough to be somewhere else.
So why is this so much harder than it was for your parents?
Because they were told what they’d get, and on what date. The schemes that did the deciding have largely closed, and the choices — with the consequences — now sit with you. Nobody was handed a manual when that changed. Putting it off isn’t a character flaw. It’s what happens when something important has no obvious first step.
Three real deadlines, not three ideas. Most of the retirement run-up is forgiving — you can change your mind, redo a form, ring back next week. These three aren’t. Each one tells you exactly what to do while it’s still open.
Your State Pension isn’t paid automatically. It has to be claimed, and the window opens a few months before you reach State Pension age. Most people assume a letter turns up and everything starts by itself.
There is a statutory cancellation periodafter you sign for certain retirement arrangements. Most people have never heard of it — so they assume that the moment they signed, it was settled for life. It often isn’t, for a while.
The UK tax year runs 6 April to 5 April. Finishing on one side of that line rather than the other changes how a year is treated. Nobody at work will mention it— it isn’t their job to.
It prints on your own printer. You work through it with a biro at the kitchen table. Every section ends with something to write down, tick off or put in a folder — because the difference between the people who get this sorted and the people who don’t is almost never knowledge. It’s having somewhere to put the answer.
Digital kit, delivered by email and printed at home. Nothing is posted.
A one-off payment, delivered by email to print at home, with a 30-day money-back guarantee.
What to do, and in what order.
The choices you only get to make once.
What people forget — and what happens after.
For comparison: a regulated adviser typically charges £500 to £3,000 for a retirement review — and the average firm now sets a minimum of around £214,000in assets before taking someone on. This isn’t advice and doesn’t replace it. It’s the part you can do yourself, in order, from £29.
People who decide when and wherethey’ll do something are substantially more likely to actually do it than people who simply intend to. It’s one of the most reliable findings in behavioural science, and it costs nothing to use.
So pick the evening now. Sunday after tea, at the kitchen table, with a pen.Write it on the calendar before you do anything else — that one line is what turns “one more year” into a date.
Download the plan, print the sheets and start filling them in at your own pace. If it doesn’t help you see your own run-up clearly, just email raphael@retiresorted.comwithin 30 days. We’ll refund you in full — no forms, no questions — and you keep the file.
No, and it matters to be clear about that. The Landing Plan is a practical organiser: the order of the steps, the deadlines that exist, and the questions worth asking. It never tells you which pension product to choose, never recommends a provider, and never suggests what to do with your money. For decisions about your own pension, speak to Pension Wise — free, impartial and government-backed — or to a regulated financial adviser.
The opposite. Most of what's in here is easiest in the year or two before you stop, and a few things stop being possible once you've taken your first payment. Reading it early costs you an evening. Reading it late costs you options.
Not necessarily. Some windows stay open after you finish, and several of the most common mistakes get put right afterwards rather than prevented. The sections on the cancellation window, the first-payment tax surprise and tracing old pots apply just as much once you've stopped.
A printable PDF, by email, straight away. Read it on screen or run it off on your own printer. It's designed to be worked through with a pen — the fill-in sheets are the point. No app, no login, no subscription.
Because free guidance explains the rules — it doesn't hand you the order of operations. We point you to the free services throughout, and they're good. What none of them does is sit down and work through your own run-up with you, in sequence, on paper.
Yes. It's written for the whole of the UK, and where a rule genuinely differs between England, Scotland, Wales and Northern Ireland, we say so rather than pretending otherwise.
Yes. Payment is handled by Stripe or PayPal — we never see or store your card details. You'll get an email receipt immediately.
Email us within 30 days and we'll refund you in full, no forms and no questions. You keep the file.