Our Services
We offer a range of retirement planning services designed to address different needs and stages of the retirement journey. Each service can be engaged independently or as part of a comprehensive planning package.
Pension Portfolio Review
From £450A thorough examination of all your existing pension arrangements, providing clarity on what you have accumulated and how it might serve you in retirement.
What is included:
- Analysis of workplace pensions, personal pensions, and stakeholder schemes
- State pension forecast review and NI contribution assessment
- Identification of any lost or forgotten pension pots
- Fund performance evaluation and charge comparison
- Comprehensive written report with findings and observations
Retirement Timeline Planning
From £650Strategic modelling to determine when you can realistically retire while maintaining your desired lifestyle, accounting for all relevant financial factors.
What is included:
- Detailed lifestyle cost assessment for retirement
- Inflation and longevity projections
- Gap analysis between current trajectory and retirement goals
- Scenario modelling for different retirement ages
- Action plan with specific recommendations
Income Drawdown Strategy
From £850Tailored strategies for withdrawing pension funds in retirement, balancing immediate income needs with long-term sustainability and tax efficiency.
What is included:
- Tax-efficient drawdown sequencing recommendations
- Personal and state pension coordination planning
- Sustainable withdrawal rate calculations
- Investment strategy recommendations for drawdown phase
- Annual review framework setup
Tax Optimisation Planning
From £750Focused analysis of your tax position in the years approaching and during retirement, identifying legitimate opportunities to reduce your overall tax burden.
What is included:
- Annual allowance utilisation review
- Carry forward opportunity assessment
- Higher rate relief optimisation strategies
- Inheritance tax considerations for pensions
- Coordination with ISA and other tax wrappers
Couples Retirement Planning
From £1,100Coordinated retirement planning for couples, ensuring both partners' pensions, state entitlements, and retirement aspirations are aligned for optimal outcomes.
What is included:
- Joint retirement timeline assessment
- Combined income projection modelling
- Death benefit and survivor income planning
- Tax-efficient income splitting strategies
- Contingency planning for different scenarios
Pension Consolidation
From £550Expert guidance on whether consolidating multiple pension pots makes sense for your situation, with careful analysis of potential benefits and drawbacks.
What is included:
- Comparison of existing scheme benefits and guarantees
- Exit penalty and transfer value analysis
- Receiving scheme evaluation and recommendations
- Transfer process management and paperwork handling
- Post-transfer confirmation and documentation
Comprehensive Retirement Plan
From £1,850Our flagship service combining all aspects of retirement planning into a cohesive strategy tailored to your specific circumstances and goals.
What is included:
- Complete pension portfolio analysis
- Retirement timeline and lifestyle modelling
- Income strategy development
- Tax optimisation recommendations
- Implementation support and provider liaison
- First year review included
- Ongoing support access
What Sets Our Services Apart
Personalised Approach
We do not use templates or one-size-fits-all recommendations. Every analysis and strategy is built specifically for your circumstances, considering your complete financial picture and personal aspirations.
Clear Communication
All reports and recommendations are written in plain English. We explain the reasoning behind our suggestions and ensure you understand your options before making any decisions.
Implementation Support
We do not just hand you a report and walk away. Our team helps with the practical steps of putting recommendations into action, including liaising with pension providers on your behalf.
Ongoing Relationship
Retirement planning is not a one-time event. We build relationships that continue through retirement, adapting strategies as regulations change and circumstances evolve.
How We Work Together
Initial Conversation
A no-obligation discussion to understand your situation and determine which services would be most beneficial. This helps us provide an accurate quote and ensures we are the right fit.
Information Gathering
We provide clear guidance on what documents and information we need. Our team handles chasing pension providers for statements and valuations, saving you time and hassle.
Analysis Phase
Our specialists examine your information thoroughly, running projections and identifying opportunities. This typically takes 2-3 weeks depending on the complexity of your arrangements.
Presentation Meeting
We walk you through our findings and recommendations in a face-to-face or video meeting, allowing plenty of time for questions and discussion.
Implementation
Once you are ready to proceed, we help execute the strategy, handling paperwork and provider communications while keeping you informed of progress.
Review and Adapt
We schedule regular reviews to ensure your plan remains appropriate as circumstances change, regulations evolve, and retirement approaches or progresses.
Service Questions
Not necessarily. We offer services individually so you can choose what is relevant to your situation. During our initial conversation, we can help you identify which services would be most valuable given your circumstances and goals.
Complexity varies significantly between clients. Someone with a single workplace pension requires less analysis than someone with multiple pensions, overseas entitlements, and defined benefit schemes. We provide an accurate quote after understanding your specific situation.
Yes, when services are engaged together there is typically an efficiency that allows us to reduce the overall cost compared to engaging each separately. Our Comprehensive Retirement Plan represents the best value for those needing multiple aspects addressed.
From initial engagement to receiving recommendations typically takes 3-5 weeks. The main variable is how quickly pension providers respond to information requests. Implementation timescales depend on the actions required and provider processing times.
We welcome complex cases. Whether you have overseas pensions, defined benefit schemes with unusual guarantees, or atypical retirement plans, our experience likely covers it. If your situation genuinely requires specialist expertise we do not have, we will tell you honestly.
Discuss Your Requirements
Not sure which services you need? Contact us for an initial conversation. We will help identify what would be most beneficial for your situation.
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