Later Life Retirement Planning

What Later Life Retirement Planning does

Later Life Retirement Planning is a UK-based financial advisory firm operating as a trading name of The Later Life Planning Group Limited, structured as an appointed representative of Lendle Finance Group Ltd. The firm is FCA-regulated (FRN: 1045224) and a member of the Equity Release Council, serving UK homeowners aged 55 and over who are considering later-life lending products. The firm is headquartered in Morley, UK, and operates with a small specialist team of approximately 13 advisers and support staff led by founder Sam Wickham.

The company's core offering is whole-of-market equity release advice, with access to more than 500 plans across major lenders including Canada Life, Royal London, and Aviva. The product suite spans lifetime mortgages, retirement interest-only mortgages, and adjacent later-life services including Wills and Estate Planning. Customers engage via an online consultation funnel or direct enquiry, and the firm charges a fixed advice fee of £1,395 per completed case, with solicitor fees of £700–£800 passed through at cost.

The business model is fee-based on the advice leg, with lender commission on completed loans (standard UK equity release practice) providing additional revenue. The go-to-market is adviser-led with a digital top-of-funnel for lead capture. The firm has secured multiple industry recognitions, including repeated Runner-Up Advisor of the Year awards, and positions itself as a specialist in the regulated equity release segment where mainstream mortgage brokers are typically less active.

Name

Later Life Retirement Planning

Legal name

The Later Life Planning Group Limited

Website

https://laterliferetirementplanning.co.uk

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Later Life Retirement Planning is a UK FCA-regulated advisory firm specialising in equity release, lifetime mortgages, and retirement interest-only mortgages for homeowners aged 55 and over, operating whole-of-market across 500+ lender plans from its Morley base.

Ownership category

akta.pro rank

Product category

Equity Release and Retirement Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEAAAG

Estate & Legacy Planning Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Equity release advice
• Lifetime mortgages
• Retirement financial planning
• Later life lending
• Estate planning services

Headquarters

HQ city

Morley

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Financial Advisory Fees: Fixed advice fee of £1,395 charged upon completion of the equity release/lifetime mortgage plan. No upfront fees are charged. Additional solicitor fees of £700-£800 (all-inclusive including VAT) are passed through from their panel solicitors at cost price, with no markup to clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Later Life Retirement Planning (The Later Life Planning Group Limited) is a UK-based FCA-regulated advisory firm (FRN: 1045224) that provides equity release advice and retirement-focused financial planning to homeowners aged 55 and over. The firm advises on lifetime mortgages, retirement interest-only (RIO) mortgages, wills and estate planning, and broader retirement financial consultations, sourcing plans from a panel of more than 500 lenders.

Product overview

Later Life Retirement Planning offers a unified service portfolio focused on later life lending solutions. The core products are Equity Release, Lifetime Mortgages, and Retirement Interest Only Mortgages (RIO), which enable homeowners aged 55+ to access property value. These are complemented by Wills and Estate Planning services (including Lasting Powers of Attorney) and Retirement Financial Consultation. The company also provides a Free Equity Release Calculator as a lead-generation tool. With access to over 500 plans from multiple lenders, the service is supported by independent, FCA-regulated financial advice.

Differentiator

Problem solved

Functional benefit

Products and services

• Equity Release Advice Regulated advice service that assesses a homeowner's eligibility and objectives and recommends an equity release plan drawn from a panel of 500+ lenders, with a fixed advice fee of £1,395.
• Lifetime Mortgages Advice on lifetime mortgage products from a panel of 500+ lenders, helping homeowners aged 55+ access tax-free lump sums or drawdown facilities while retaining property ownership.
• Retirement Interest Only (RIO) Mortgage Advice Advice on RIO mortgages for borrowers who can still afford monthly interest payments but are no longer eligible for standard residential mortgages, typically due to age or retirement status.
• Wills and Estate Planning Will writing and estate planning service for clients considering or completing equity release, covering inheritance protection and estate distribution for retirees.
• Retirement Financial Consultation Initial free financial consultation covering retirement income planning, equity release suitability assessment, and signposting to additional later-life lending or estate planning solutions.
• Equity Release Calculator Free online calculator that allows UK homeowners aged 55+ to estimate the maximum tax-free cash release available on their property before committing to a full advice engagement.
• Solicitor Referral Service

Quantifiable outcome

• Access to over 500 plans from comprehensive lender panel

Named customers12 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Twelve partnerships are on record, tiered core and flagship.

• Canada LifecoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• Royal London GroupcoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• STL Home FinancecoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• AvivacoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• HodgecoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• JUSTcoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• LiveMorecoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• LV=coreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• more2lifecoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• Pure RetirementcoreOthersEquity release lender providing lifetime mortgage products. Part of the comprehensive lender panel offering over 500 plans to clients.
• Equity Release CouncilflagshipStrategic or Co-development PartnerIndustry trade body setting and enforcing standards for the UK's equity release and later life lending industry. All lenders they advise upon are members of the Equity Release Council, ensuring consumer protection standards.
• Lendle Finance GroupflagshipOthersParent company (FRN: 737340) that Later Life Retirement Planning is an appointed representative of. Authorised and regulated by the Financial Conduct Authority.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Broad incumbents

• Aviva: Large UK life and pensions insurer offering equity release products through advisers; a key panel lender and a broad incumbent whose retirement and protection portfolio overlaps with the firm's customer base.
• Just Group: UK specialist in retirement income products including lifetime mortgages; a panel lender to advisers and a broader incumbent in the later life lending market.
• Canada Life UK: UK arm of Canada Life offering lifetime mortgage and retirement products via advisers; listed as a core lender partner to the firm and a broader incumbent in retirement wealth.
• Hodge Equity Release: Established UK later life lender offering lifetime mortgages directly and through advisers; a key panel partner for advisory peers and a broader incumbent in the equity release value chain.
• Legal & General: Major UK insurer and lifetime mortgage provider operating across retail, workplace, and adviser channels; broader financial services incumbent that competes with and supplies into the equity release market.

Direct peers

• Responsible Equity Release: UK equity release advisory firm focused on whole-of-market lifetime mortgage advice for older homeowners, with similar regulatory positioning and product focus.
• Key Retirement Solutions: UK equity release and later life lending specialist offering advice on lifetime mortgages and retirement interest-only mortgages to the over-55 homeowner segment — directly comparable product set and customer base.
• Equity Release Supermarket: UK equity release comparison and advisory service connecting over-55 homeowners with lifetime mortgage lenders — comparable advisory-led, whole-of-market model serving the same customer segment.
• Age Partnership: One of the largest UK equity release brokers, providing whole-of-market later life lending advice to retirees — highly comparable business model, lender panel structure, and target demographic.

Emerging players

• Saga: UK brand targeting the over-50s with financial services including equity release and later life advice — partial overlap in customer segment and product set, though Saga operates as a broader financial services and travel group rather than a pure equity release adviser.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/later-life-retirement-planning

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Later Life Retirement Planning