Countryside path stretching towards the horizon, representing planning for a longer life

Planning for a longer life

What if retirement isn't the final chapter, but the beginning of your next one?

Better decisions today. More choices tomorrow.

100 Tomorrow explores how thoughtful financial planning can help you make the most of a longer life. It grew from the ideas first explored in 50 Today 100 Tomorrow by Scott Gallacher.

Featured Guide

The Questions Your Pension Can't Answer

A practical starting point for anyone wondering whether they're ready to retire or what their money actually allows them to do.

Read the Guide

Continue Exploring

Financial Planning for a 100-Year Life

The bigger idea behind 100 Tomorrow—why longer lives require a different approach to money, retirement and planning.

This guide builds on the ideas introduced in The Questions Your Pension Can't Answer.

Explore the Guide

Practical Resources for a Longer Life

Notebook, coffee and glasses beside a sunlit window

Good ideas are only valuable if you put them into practice.

The Collection contains practical worksheets, frameworks and self-assessments to help you think more clearly about retirement, money and the life you want to build.

They're not about creating the perfect plan.

They're about helping you make better decisions, one step at a time.

Three generations of a family looking across the countryside together

The Journal

Every week we publish thoughtful essays exploring the decisions that shape a longer life.

From retirement and money to health, purpose, family and legacy, each article is designed to help you see familiar questions from a different perspective.

Because sometimes the most valuable thing isn't another financial tip.

It's a different way of thinking.

Cover of 50 Today 100 Tomorrow by Scott Gallacher

The Book

50 Today 100 Tomorrow is a thoughtful guide to planning both your money and your life for the years ahead.

Written by Scott Gallacher, Chartered Financial Planner, it explores the ideas behind 100 Tomorrow and how thoughtful financial planning can help you live well, retire with confidence, leave a meaningful legacy and make the most of the opportunities a longer life may bring.

Copy of 50 Today 100 Tomorrow beside a notebook and coffee
Older woman being interviewed as part of the 100 Before 100 project

100 Before 100

Capturing the wisdom of those who have already travelled the road ahead.

We're interviewing one hundred people aged 90 and over to preserve their stories, experiences and advice for future generations.

Scott Gallacher delivering a presentation on retirement and financial planning
Scott Gallacher delivering a presentation on retirement and financial planning

Speaking and presentations

Scott Gallacher enjoys speaking to clubs, community groups, professional organisations and client events about financial planning, retirement and making the most of a longer life.

Drawing on nearly 30 years' experience as a Chartered Financial Planner and the ideas behind 50 Today, 100 Tomorrow, his talks are practical, engaging and designed to help audiences think differently about money, retirement and living well.