Come if
You live in the UK, you are 18 or over, and you want the public rules in one place before you decide anything. A partner can study with you on the same login. Please do not share the login outside your household.
The course
The Later Life Ledger
A self-paced online course in UK retirement planning. You get video lessons, worked examples with fictional people, worksheets you can fill with your own figures, and short checks at the end of each module. There is no exam and no professional qualification at the end. The point is that you can explain your own position without borrowing someone else’s script.
The fee is £240, paid once. Access lasts twelve months from the day we email your lesson link. Worksheets are yours to keep for your own planning after access ends. Video lessons stop when the year does.
Included
- Eight modules of video lessons, with a transcript under each one.
- Worksheets for the income map, the NI record, contribution maths and the adviser brief.
- Three teaching portraits — Ruth, Iain and Helen — used so the arithmetic has a person attached. They are not real clients.
- End-of-module checks. They are there so you notice what you skipped. They are not a certificate.
- A monthly online clinic, 45 minutes, questions about the lessons only.
- A correction note if a published rate we taught you changes during your access year.
Not included, on purpose
- Personal financial advice, a recommendation, or a review of your scheme.
- Regulated transfer advice. Many defined benefit transfers over £30,000 require it by law. We are not the firm that gives it.
- Tax return preparation, will writing, or a power of attorney.
- A CII, LIBF or other professional qualification. Completing the course does not make you an adviser.
- Product introductions. We are not paid by pension providers, annuity brokers or lead generators.
A plain fit note
Pause if
You have been offered a defined benefit transfer, a “pension review” by phone, or early access to a pot and someone is waiting on the line. Stop the call. Read module 8 on scams, then speak to MoneyHelper or a regulated adviser. Do not enrol in order to be told which button to press today.
This will feel slow if
You already complete pension tax returns for clients. The course is built for the person who owns the pot, not for the person who advises on it. You are welcome, but you will not meet a new technical paper.
A sample of the teaching voice
This is an extract from module 3. It is the sort of arithmetic the worksheets walk you through. It is not a suggestion that Ruth, or you, should pay only the minimum.
Ruth earns £28,000. For 2026/27 the auto-enrolment qualifying band runs from £6,240 to £50,270. Her qualifying earnings are £28,000 minus £6,240, which is £21,760. The legal minimum total contribution is 8% of that band: £1,740.80 a year. Of that, her employer must pay at least 3%, which is £652.80. The other 5%, £1,088, is hers, and tax relief is part of how that 5% is delivered, not an extra gift on top in every scheme. The minimum keeps her in the scheme. It is not a calculation of the income she will want at 67.
Ready when you are
Write to us and we send the enrolment note the same working day if you email before 15:00. The note sets out the fee, the 14-day cancellation rule, and when your lessons open. The terms are on the site now if you want them first.