Flagship engagement
Retirement Income Planning
Map pensions, ISAs, and State Pension timing into a clear drawdown plan that fits your spending and longevity assumptions.
From £1,450 for a full retirement income review
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Who it is for
Households within five to ten years of leaving paid work — or already drawing — who hold more than one pension pot, ISA, or annuity quote and need a single income map. Typical clients include teachers, NHS staff, company directors stepping back from trading, and couples with unequal State Pension ages.
What you receive
- Full inventory of workplace and personal pensions, including safeguarded benefits checks before any transfer discussion
- Cash-flow projections under base, cautious, and longevity scenarios you help define
- Tax-wrapper recommendations for drawdown sequencing (not tax advice beyond the regulated advice scope)
- A written suitability report and a plain-language one-page income map for household use
- One follow-up meeting within 90 days to adjust for life events or market moves
What sits outside this engagement
We do not prepare tax returns, probate applications, or investment trading for discretionary portfolios. Wills and lasting powers of attorney remain with your solicitor; we can note liquidity needs but do not draft legal documents.
How the work unfolds
- Discovery meeting — income, spending, existing products, and what “comfortable” means in pounds per month.
- Fact-find & research — we request scheme statements, transfer packs, and annuity quotes where relevant.
- Recommendation — written report with options ranked by risk, charges, and income reliability.
- Implementation support — forms, provider calls, and confirmation that money has moved as agreed.
Duration: Typically 4–6 weeks from first meeting to written plan
Delivery: In-person in Lang-le-Donnelly or by scheduled video call across the UK
Preparation: Bring recent payslips or dividend summaries, the latest pension statements, and a rough monthly budget. If a spouse or partner shares finances, we prefer they attend the first meeting.
Pricing basis
From £1,450 for a full retirement income review. Complex cases with multiple safeguarded schemes or overseas service history may require additional adviser hours, quoted before work continues. A deposit of 30% is taken on engagement; the balance is due on delivery of the written report. See our refund policy for cancellation and rescheduling terms.
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