< Back to Guides

Why review your retirement date?

September 3, 2026 - 2 min read
Life doesn't stand still, and your retirement plans may change over time. Taking a moment to review your retirement date can help you check whether it still reflects your finances, personal circumstances, retirement needs and goals.

This information is for general guidance only and does not constitute personal financial advice. Current legislation and your personal circumstances may change.

Things can change

It's worth taking another look at your retirement date if there have been changes to:

  • Your finances or retirement savings

  • Your plans for work, including flexible or phased retirement

  • Your health or personal circumstances

  • Your family commitments

  • The lifestyle you're hoping to enjoy in retirement

Review your plans

Reviewing your retirement date gives you an opportunity to assess whether your plans are still on track.

Reviewing your retirement date gives you an opportunity to:

  • Check whether your plans are still realistic and achievable

  • Consider whether your retirement goals have changed over time

  • Think about whether your expected retirement income is likely to meet your needs

  • Better understand how your retirement plans fit with your current circumstances

  • Make informed decisions about your future

Retirement Guidance Tool

Our Retirement Guidance Tool can help you explore how different retirement ages may affect your projected outcomes and support your retirement planning.

Remember
Reviewing your retirement date doesn't mean you need to change it. It's simply an opportunity to make sure your retirement plans remain aligned with your circumstances, needs and goals.

Want to check or change your retirement date?

You can view your current retirement date online. If you'd like to make a change, you can do this online via the Scottish Friendly App or contact us for support.

Scottish Friendly doesn’t provide advice. The information provided should help you decide if the product is suitable for you and your family. If you’re not sure which product is suitable, you should contact a professional adviser for advice. Advisers may charge for providing such advice and should confirm any cost beforehand.