Tuesday 20 October 2026
Kingdom, Penshurst
Arrival from 6.30pm | Presentation and Q&A at
7.00pm | Drinks and bowl food 8.30pm
Free to attend | Only 40 places available
Are you on track or just hoping you are?
Most people in their 40s and 50s have done many of the right things. They have paid into pensions, built up savings and expect to be broadly on track for a comfortable retirement.
But do you really know what those savings could provide?
Perhaps you have several pension pots with different providers. Maybe you know roughly what they are worth, but not what that could mean as a monthly income. Or perhaps retirement still feels far enough away that you have never stopped to work out whether you are actually on track.
The Pension Reality Check is designed to help you bring everything into focus, understand where you stand today and identify what you can do while you still have time to make a difference.
What will you learn?
During the evening, we’ll cover:
- What your pension savings could provide as an income in retirement, not just as a fund value
- Whether you are on track for the lifestyle you want and what “enough” could look like for you
- How to bring different pensions and savings together into one clearer picture
- The role the State Pension could play and why relying on it too heavily could limit your choices
- Practical steps you can consider now, including making the most of available tax advantages
Why attend?
During the eveing, we’ll cover:
- Get a clearer idea of whether your current retirement plans are really on track
- Understand whether you need to do more, or whether you may be in a stronger position than you think
- Hear complex pension and retirement issues explained in plain English by experienced financial professionals
- Put your questions to our panel during a dedicated Q&A and explore the issues that matter most to you
- Enjoy a relaxed evening at Kingdom, followed by drinks and bowl food in one of Kent’s most distinctive venues
An evening at Kingdom
Kingdom, Grove Road, Penshurst, Tonbridge TN11 8DU
Set amongst woodland in the Kent countryside, Kingdom provides a distinctive and relaxed setting for what we hope will be an informative and enjoyable evening.
Join us from 6.30pm for drinks, with the presentation and Q&A beginning at 7.00pm.
Afterwards, stay for drinks and bowl food at Kingdom, with the opportunity to continue the conversation with our speakers and advisers in a more informal setting.
Meet your speakers
David Braithwaite
Managing Director & BBC Radio Kent’s Money Mentor
David will look at the practical steps you can take to understand whether you are on track and how better planning can help turn pension savings into a clearer retirement plan.
Karen Gorbutt
Financial Adviser
Karen will explain what being ready for retirement really means, including the income you may need, the role of the State Pension and some of the choices you could face in the years ahead.
Richard Harris
Chief Operating Officer & Economic and Market Commentator
Richard will set the wider scene, looking at the economic pressures facing future retirees and why taking greater responsibility for your own retirement planning could become increasingly important.
Following the presentations, you’ll have the opportunity to put your own questions to a panel of Citrus advisers during a dedicated Q&A.
Event details
Tuesday 20th October
6.30pm: Arrival and drinks
7.00pm: Presentation and dedicated Q&A
Afterwards: Drinks and bowl food
Venue
Kingdom
Grove Road
Penshurst
Tonbridge
TN11 8DU
Reserve your free place
Only 40 places are available
The event is completely free to attend, but advance registration is required and places will be allocated on a first come, first served basis.
Complete the short form below to reserve your place.
Reserve your place now
About Citrus Financial
Founded in Sevenoaks by David Braithwaite, Citrus Financial has grown into a trusted local advice firm with a team of experienced financial advisers. Based in Chipstead, we help families across the South East feel better off and more confident about their finances. Whether it’s investments, pensions, mortgages, or inheritance planning, our mission is simple: to give you clarity, confidence, and control over your money.
In 2026, Citrus Financial was named Adviser Firm of the Year, South East at the Professional Adviser Awards.
Approver Quilter Financial Services Ltd 09/09/2026