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Author

Jamie Kyte APFS

Chartered Financial Planner and founder of When Can I Retire?

Jamie Kyte

Jamie Kyte APFS is a Chartered Financial Planner and Independent Financial Adviser with over a decade of experience helping people plan for retirement. He specialises in retirement income planning, pension drawdown and helping clients make confident decisions about when they can afford to stop working.

Jamie holds the Chartered Financial Planner title awarded by the Chartered Insurance Institute, alongside the Advanced Diploma in Financial Planning (Level 6) and the Diploma in Financial Planning (Level 4). He is the founder of When Can I Retire? and Kyte Financial Planning.

Kyte Financial Planning is an Appointed Representative of ValidPath Limited, which is authorised and regulated by the Financial Conduct Authority. You can verify Jamie’s regulatory status on the FCA Register and connect with him on LinkedIn.

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Articles by Jamie

How the 25% tax-free pension lump sum works: a pie with one quarter lifted out

How Does the 25% Tax-Free Pension Lump Sum Work?

19 October 2026 · 8 min read

Drawdown vs annuity: two paths, one flexible and one steady

Pension Drawdown vs Annuity: Which Is Right for You?

19 October 2026 · 7 min read

How to find lost pensions: a woman finding old pension letters in a box

How Do You Find Lost or Old Workplace Pensions?

19 October 2026 · 5 min read

Income tax in retirement: a retired man reading his tax letter with a cup of tea

How Much Income Tax Will You Pay in Retirement?

19 October 2026 · 6 min read

The Money Purchase Annual Allowance: a pension jar with a narrower opening

What Is the MPAA and How Do You Avoid Triggering It?

19 October 2026 · 5 min read

How many National Insurance years for a full State Pension: a row of stacked year blocks

How Many NI Years Do You Need for a Full State Pension?

19 October 2026 · 5 min read

Can I access my pension at 55? A pension piggy bank behind a gate that opens at 57

Can I Access My Pension at 55? Why It Is Rising to 57

19 October 2026 · 7 min read

Pension emergency tax explained: a surprised man looking at a smaller-than-expected payment

Why Was My Pension Withdrawal Taxed So Heavily? Emergency Tax Explained

19 October 2026 · 4 min read

Pensions and Inheritance Tax from April 2027: a family looking at a will and pension papers

Pensions and Inheritance Tax: What Changes in April 2027?

19 October 2026 · 8 min read

State Pension age if born in 1960 or 1961: a woman counting months on a calendar

State Pension Age for People Born in 1960 and 1961: Exact Dates Explained

19 October 2026 · 12 min read

What is my State Pension age: a couple checking a calendar together

What Is the State Pension Age and When Can I Claim It?

19 October 2026 · 7 min read

UK retirement rules 2026/27: a signpost pointing to State Pension, tax-free cash and pensions

UK Retirement Rules 2026/27: The Complete Guide

19 October 2026 · 11 min read

Illustration of a retired couple walking arm in arm along a sunny autumn park path

Making A Positive Transition To Retirement

23 May 2026 · 5 min read

Illustration of a man stepping across stones from an office desk towards an armchair and garden, representing the move into retirement

Five Top Tips to Make a Smooth Transition to Retirement

28 May 2025 · 7 min read

AJ Bell SIPP review: a clay calculator showing the word SIPP

AJ Bell SIPP Review (2026)

4.5 Best all-rounder SIPP