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Guide: How to plan for a 100-year life

Guides

The number of people celebrating their 100th birthday in the UK is on the rise. As life expectancy continues to increase, it is more important than ever to plan financially for a 100-year life.

According to the Office for National Statistics (ONS), there were 16,600 centenarians in 2024 – double the number in 2004 (21 October 2025).

Among those marking the milestone this year is the renowned natural historian Sir David Attenborough. The broadcaster turned 100 on 8 May, and he continues to share his passion for nature with the world.

Attenborough shows that entering later life doesn’t have to mean taking a step back. You could still embrace new experiences and create a life you love.

However, planning for a 100-year life often raises important questions about how to arrange your finances to secure the life you want, including how to ensure you have “enough” and what strategies are appropriate for you.

This guide explores some of the steps you might take to plan for a 100-year life.

Download your copy here: How to plan for a 100-year life

If you have any questions about planning for your later years, please get in touch.

Please note: This guide is for general information only and does not constitute advice. The information is aimed at individuals only.

All information is correct at the time of writing (April 2026) and is subject to change in the future.

What our clients say

I would like to thank EBS and their staff for providing an excellent service, making the minefield of my various pensions seem like an easy task and for keeping me updated on the progress. I would not hesitate in recommending them to anyone looking for pension advice.

Trust and expertise were my key needs for re-establishing my financial portfolio following a divorce. The replacement life cover and complete evaluation of my pension goals were perfectly designed and implemented to suit my changed circumstances. Well done EBS!

Honest and comprehensive financial advice given with no pressure to buy any products. Reasonable fees for advice and ongoing costs. Very happy with the services given.

Many thanks for taking so much time to meet and discuss our retirement funding plans with us yesterday. The detail of the analysis was very impressive, and you and your staff are to be congratulated on a very professional job.

Our grateful acknowledgements are due for the advice and support proffered by the EBS team and everyone we met at entry, all very courteous, personable and a pleasure to meet.

The ‘Portfolio Report’ that EBS offers has made understanding and managing the family budget so much simpler. It gives a detailed summary and breakdown of our overall financial position, which is so helpful when cross-referencing it.

Thank you for your very comprehensive letter and schedules.... I must reiterate my thanks for all you have done for me.

Many thanks indeed to you and EBS for doing your very best for me. I know I am in safe hands with you. It really is very much appreciated!

I would also like to thank you all for the work in getting this organised for us. I know it has not been easy but I really appreciate it all.

We are really grateful for your perseverance with what turned out to be a pretty long and complicated process! You were brilliant at answering our questions as we decided what to do with these funds, and you helped hugely with negotiating across the companies we were dealing with.

Many thanks for your continued support and guidance. We really do appreciate 'having' you.

FR, Lanark

JS, Glasgow

IM, Dunbartonshire

RS, Biggar

BW, Skelmorie

MP, Glasgow

BA, Salisbury

MR, Glasgow

NM, Glasgow

EP, London

RG, London