With a number of Grandchildren now to spend time with, Ann decided that with the introductions of Pension Freedoms and a massive change to legislation, tax and rules, spending time with the grandchildren was more appealing! So early retirement sounded more attractive.
To keep fit, Ann swims most mornings and uses the gym a couple of times a week with her better half (?!) Paul. When at home she loves gardening and they both enjoy travel and have several breaks a year to recharge their batteries.