The 35-year-old former Gloucester wing hung up his boots following a shoulder injury in 2022, because he had already decided to call it a day at the end of the season and didn’t want to subject himself to the “physical and mental toll” of trying to get back to full fitness.

He told Rugby World magazine: “I was in the final year of a three-year contract at Gloucester and had already decided to retire at the end of that season.

“In December, I dislocated my shoulder in an A game and the surgeon couldn’t fit me in immediately. I knew there would be four months rehab, so I couldn’t see the point.

“I knew about the physical and mental toll it takes; it’s lonely and the only light you have at the end of the tunnel is getting back on the pitch.

“I’d have liked to have been able to bow out at Kingsholm, but it gave me three or four months being paid as a player and a soft landing into transitioning into my next career.”

Charlie had long known he wanted to go into financial planning once his playing days were over and he thinks his sporting skills have helped with his new career.

He explained: “Rugby helped because of things like self-motivation, discipline and maximising your weeks.

“Without that mindset, you aren’t going to be a rugby player.

“And time keeping is important. When I was 18, in the Gloucester squad, if you were a minute late for training you received a £100 fine.

“I was being paid £5,000 a year, so getting fined a quarter of my monthly wages was not what I wanted.”