Too Busy to Plan for Retirement? You’re Not Alone, and It’s Not Too Late

If you’re a successful business owner, there’s a good chance that you’ve built a thriving enterprise, raised a family, and worn more hats than you can count. But if there’s one thing that keeps getting pushed down your to-do list, it’s probably your own financial and retirement planning.

I meet a lot of clients like this. People who are smart, capable, and incredibly productive. But they’ve been so focused on growing the business and living life that they haven’t found the time to think about what comes next.

And here’s the truth: that’s completely normal.

Why Planning Gets Delayed

When your business generates enough to keep life ticking over, financial planning can feel like a “nice to have,” not a must-do. There’s always a fire to fight or a deal to chase. And thinking about life after work? That feels abstract, like something ‘future-you’ can handle.

Add in the fact that most financial planning tasks are important but not urgent, and it’s no surprise they get bumped by more immediate demands.

What I Tell My Clients

First: don’t feel guilty. You’ve been on a journey, and sometimes it takes a while to feel truly ready to plan the next chapter. You’re not alone, and you’re not behind.

Second: you don’t have to do this alone.

What Delegating This Work Looks Like

When clients delegate their financial planning to me, I take as much off their plate as possible. You’ll have to carve out a couple of short meetings with me, but after that, I do the legwork.

• In our first chat, we gather the essentials, your goals, numbers, and what the future might look like.
• Then I go away and build your strategy.
• In our second meeting, I show you the blueprint. You’ll know where you stand and what you can do next.
• From there, I implement the plan and offer ongoing support, digitally, efficiently, and without the jargon.

The Emotional Shift

There’s often a noticeable switch when a client sees their plan laid out. Relief. Control. Optimism.

I had one client who delayed planning until he was nearly 60. He had a pension and some investments but no idea what it meant. We built a plan together, stress-tested it, and discovered that not only was he on track, but he could redirect future savings toward family holidays instead of piling more into his pension.

That’s not just peace of mind, it’s freedom.

My Advice to the Time-Poor Business Owner

The hardest part is starting. Just carving out that initial hour unlocks everything else. Once we get going, I can handle most of it for you.

So if you’ve been meaning to “sort out your finances” for months (or years), now’s the time. You don’t need to do it all yourself. You just need to take the first step.