Last updated: May 2026

 

About this site

FreeBefore65 is a personal blog and video channel created and run by Tony. The site documents a personal journey to early retirement in the UK and provides general information, commentary and practical guidance on retirement planning topics. 

This site is not a financial services business. Tony is not a financial adviser, financial planner or regulated financial professional of any kind. 

 

Not financial advice 

Nothing on this website — including blog posts, videos, comments, illustrations, worked examples, checklists, calculators or any other content — constitutes financial advice, investment advice, tax advice or legal advice. 

All content on FreeBefore65 reflects Tony's personal experience, research and opinions. It is provided for general information and educational purposes only. It should be treated as a starting point for your own thinking - not as a recommendation, prescription or substitute for professional advice tailored to your specific circumstances 

Your financial situation is unique. Decisions about pensions, investments, tax planning, benefits, insurance and retirement income should be made with the guidance of a regulated independent financial adviser who can assess your individual position. 

If you need regulated financial advice, the Money and Pensions Service at moneyhelper.org.uk is a free, impartial starting point. You can find a regulated adviser through the FCA registeror through Unbiased or VouchedFor. 

 

Accuracy of information

Tony takes reasonable care to ensure that the information published on this site is accurate and up to date at the time of writing. However pension rules, tax thresholds, benefit rates, ISA limits and other financial regulations change regularly. Information that was correct when published may become outdated. 

Always verify important figures - State Pension rates, personal allowance, pension access ages, ISA allowances and similar - against current official sources at gov.uk or moneyhelper.org.uk before making any decisions based on them. 

Worked examples and illustrations on this site are for explanatory purposes only. They are based on assumptions that may not reflect your circumstances and should not be treated as projections or guarantees of any kind. 

 

External links 

FreeBefore65 includes links to external websites including government sources, MoneyHelper, Citizens Advice, the FCA register and other third-party resources. These links are provided for convenience and information. Tony does not control the content of external sites and is not responsible for their accuracy, availability or content 

The inclusion of a link to an external site does not constitute an endorsement of that site or any products or services it offers. 

 

RSS news feeds 

The News and Updates section of this site includes RSS feeds from third-party sources. The content of these feeds is provided by external publishers and does not represent the views of FreeBefore65. Tony is not responsible for the accuracy or content of third-party news feeds. 

 

Affiliate arrangements and commercial relationships 

FreeBefore65 is currently free of advertising and affiliate arrangements. No advertiser or commercial partner has paid to appear on this site or to influence its content. 

If this changes - if affiliate links or sponsored content are introduced - this will be disclosed clearly and specifically at the point where such content appears. Tony is committed to transparency about any commercial relationships that develop as the site grows. Hidden commercial arrangements are incompatible with the honest positioning this site is built on. 

 

Copyright 

All original content on this site - including blog posts, videos, illustrations, checklists and other written material - is the copyright of Tony and FreeBefore65 unless otherwise stated. 

You are welcome to share links to content on this site. You are welcome to quote briefly from posts with attribution and a link back to the original. 

You may not reproduce substantial portions of content from this site on other websites, publications or platforms without prior written permission. If you would like to reproduce content please get in touch via the contact page. 

News feed content appearing in the News and Updates section remains the copyright of the original publishers. 

 

Comments and user-generated content 

FreeBefore65 welcomes comments and contributions from readers. By submitting a comment you confirm that the content is your own, that it does not infringe the rights of any third party, and that you are happy for it to appear on the site. 

Tony reserves the right to remove comments that are offensive, spam, misleading or otherwise inappropriate. This is a personal site built on honest conversation - comments are moderated in that spirit. 

 

Privacy 

FreeBefore65 takes your privacy seriously. The site's Privacy Policy — available at freebefore65.co.uk/privacy-policy - sets out how any personal information collected through the site is handled. 

 

Changes to these terms 

These Terms and Conditions may be updated from time to time. The date at the top of this page shows when they were last revised. Continued use of the site after any changes constitutes acceptance of the updated terms. 

 

Contact 

If you have any questions about these Terms and Conditions please use the contact form at freebefore65.co.uk/contact. 

 

Governing law 

These Terms and Conditions are governed by the laws of England and Wales.