For high earners in their 50s

The decade before you stop working is the one that matters most.

Most high earners arrive at retirement with a good income and a vague plan. Decade Plan gives you the financial clarity to make the next ten years count — in plain English, without the jargon.

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£2.1M

Avg. pension gap for 50s earners

67%

Have no structured retirement plan

Years remaining

The decade between 50 and 60 is when your decisions have the highest financial leverage. Most people spend it guessing.

The problem

You've worked hard for it. Now what exactly do you do with it?

You've spent 30 years building a career, an income, and wealth. But when it comes to the financial decisions that actually determine how comfortably you retire — most high earners are making it up as they go.

01
The pension allowance trap You're likely hitting annual or lifetime limits without knowing it. Every year you miss this costs you thousands in unnecessary tax.
02
ISA inertia Most people have an ISA. Almost nobody is using it strategically as part of a retirement income plan.
03
The estate planning gap At £80k+, your estate is likely heading toward an inheritance tax problem that could have been avoided with a plan made now.
04
No income strategy How you take income in retirement — pension, ISA, dividends, property — has massive tax implications. Most people decide this the year they retire. Far too late.

The curriculum

Six modules. The complete picture.

Each module is written by a practising UK financial adviser. No fluff, no theory for theory's sake — only what actually matters for someone in your position, with UK tax law current to this year.

Module 01

Pension Fundamentals for High Earners

Annual allowance, tapered annual allowance, carry forward, lifetime allowance removal. Everything you need to maximise your pension before it's too late.

Module 02

ISA Strategy & Tax-Efficient Investing

Building a tax-free income stream for retirement. How to use ISAs alongside pensions — and why the order you draw from them matters enormously.

Module 03

Retirement Income Planning

How to structure income in retirement to pay as little tax as legally possible. Drawdown vs annuity, sequencing risk, and the 25% tax-free cash decision.

Module 04

Protection & Risk in Your 50s

What insurance you actually need, what you're probably over-paying for, and how to think about critical illness and income protection as you approach retirement.

Module 05

Inheritance Tax & Estate Planning Basics

The seven-year rule, nil-rate bands, pension and IHT, gifts and trusts explained. Not advice — but the knowledge you need to have a meaningful conversation with an adviser.

Module 06

Building Your Retirement Plan

How to pull it all together into a coherent plan. Cashflow modelling explained, what questions to ask a financial adviser, and how to know when you need one.

How it works

Simple. Self-paced. Substantial.

This isn't a 10-minute video course. It's structured financial education designed for people who take their money seriously.

Get access

Join the platform. Access all six modules immediately. Work at your own pace, on any device.

Work through the modules

Each module is a structured guide with worked examples, plain-English explanations, and UK-specific numbers.

Build your picture

Use the included worksheets to map your current position against where you need to be.

Know what to do next

Walk away with clarity on your retirement position — and the right questions to ask a financial adviser.

Thomas Pierotti — Financial Adviser

About the author

Written by a practising adviser. Not a content creator.

Thomas Pierotti is an FCA-regulated independent financial adviser specialising in financial planning for high earners approaching retirement. He works with clients across the UK managing significant personal wealth.

Decade Plan was built because the same questions come up again and again: people who have done well, saved diligently, and still feel uncertain about whether they're making the right decisions. This platform gives you the knowledge to understand your position clearly — and to engage more confidently with professional advice when you're ready for it.

FCA Regulated Chartered Financial Planner Independent Adviser

Early access

Get clarity on your retirement before the decade runs out.

Join the early access list. We'll notify you when the platform launches — and founding members get access at a reduced rate.

No spam. No product sales. Education only.

Decade Plan provides financial education and information only. Nothing on this platform constitutes financial advice or a personal recommendation within the meaning of the Financial Services and Markets Act 2000. Thomas Pierotti is authorised and regulated by the Financial Conduct Authority. If you require personal financial advice, please contact a regulated adviser directly.