Disclaimer
Important information about the nature of FI Pace and the limits of what it provides.
Not financial advice
FI Pace does not provide financial advice, investment advice, pension advice, tax advice, legal advice, or any other form of regulated advice.
Nothing on FI Pace should be construed as a personal recommendation or as advice tailored to your individual circumstances.
Projections are illustrative only
All projections, timelines, charts, and figures shown by FI Pace are illustrative estimates based on inputs and assumptions you provide.
They are modelling outputs, not forecasts. Future investment returns, inflation, interest rates, tax rules, and personal circumstances may all differ materially from the assumptions used.
Past data and assumed returns
Where FI Pace uses historical return data or default growth rate assumptions, past performance does not guarantee future results. Actual returns may be higher or lower than any assumption used.
Modelling tools
The following features are modelling tools only and should be treated as such:
- —Withdrawal rates and safe withdrawal rate (SWR) calculations
- —FI target and number calculations
- —ISA bridge and GIA bridge projections
- —Portfolio allocation assumptions and expected return estimates
- —Pension access age and timeline modelling
- —State Pension projections
These tools are provided to help you think through scenarios, not to provide a definitive plan.
Consider independent advice
Before making significant financial decisions — including investment choices, pension drawdown strategy, tax planning, or early retirement — you should consider taking independent regulated financial advice from a qualified professional.
A regulated independent financial adviser (IFA) can assess your full personal circumstances and provide advice tailored to you.